Consumer Checking Accounts
e-Solutions Account
The e-Solutions Account is designed for the customer who prefers electronic banking and convenient online advantages.
Features and Benefits
- Electronic Checking Account
- Unlimited transactions with "THE CHECK CONNECTION" VISA Check Card
- Unlimited FIRST CONNECTION transactions
- FREE Online Banking
- FREE Bill Pay
- Electronic monthly statements
- No monthly maintenance fee and no monthly balance requirement fee
- Discounted annual fee for Identity Theft Resolution and Credit Monitoring Services
Terms
- Minimum opening deposit of $100.00
- Direct deposit / direct debit into any First Citizens National Bank account
- Limit of 5 paper checks or drafts per statement cycle and only $2.50 charge on each check thereafter
e-Solutions Plus Account
This account is the e-Solutions Account with the added bonus of earning a highly competitive interest rate.
Features and Benefits
- Interest earned if daily collected balance is $1,000.00 or greater
- Electronic Checking Account
- Unlimited transactions with "THE CHECK CONNECTION" VISA Check Card
- Unlimited FIRST CONNECTION transactions
- FREE Online Banking
- FREE Bill Pay
- Electronic monthly statements
- Discounted annual fee for Identity Theft Resolution and Credit Monitoring Services
Terms
- Minimum opening deposit of $1,000.00
- Direct deposit / direct debit into any First Citizens National Bank account
- Limit of 5 paper checks or drafts per statement cycle and only $2.50 charge on each check thereafter
- Monthly service charge of $9.00 if daily balance falls below $1,000.00 or average daily balance falls below $5,000.00
Wall Street Checking
The FCNB Wall Street Checking is the right choice for individuals seeking to earn a high rate of interest with unlimited check writing. In addition, this account offers FREE Online Banking and Bill Pay.
Features and Benefits
- Tiered interest rates based on collected balance gives the customer the ability to earn additional income from higher rates
- Unlimited check writing
- Unlimited transactions with "THE CHECK CONNECTION" VISA Check Card
- FREE Online Banking
- FREE Bill Pay
- Monthly statement with check images (electronic statement available with Online Banking)
- Interest rate reduction of 0.25% per annum on new personal loans with auto debit from First Citizens checking
Terms
- Minimum opening deposit of $5,000.00
- Monthly fee of $7.00 on average daily balances under $1,000.00
- Interest earned on collected balances of $2,500.00 and greater
Dogwood Checking
The premier package account, Dogwood Checking offers interest earnings combined with a host of products and services designed to meet your financial needs at a very affordable cost.
Features and Benefits
- Interest earned on balances compounding monthly gives additional income to customers
- Free personalized Dogwood checks
- 50% discount on scenic checks provides a cost savings for customers who want a more elaborate check
- Write as many checks as you want with unlimited check writing at no charge
- Two free stop payments per year is an additional cost savings
- Unlimited transactions with "THE CHECK CONNECTION" VISA Check Card
- FREE Online Banking
- FREE Bill Pay
- Monthly statement with check images (electronic statement available with Online Banking)
- 25% discount on rental fee for any size safe deposit box
- Interest rate reduction of 0.25% per annum on new personal loans with auto debit from First Citizens checking
Terms
- Low minimum opening deposit of $100.00
- Low monthly fee of $8.00
- Customers age 50 and over pay a monthly fee of $5.00
- Interest earned on collected balances of $500 or greater
Free Checking
For customers who prefer having no minimum balance and no monthly maintenance fee, Free Checking is their choice.
Features and Benefits
- Unlimited check writing
- Unlimited transactions with "THE CHECK CONNECTION" VISA Check Card
- No monthly service charges
- No minimum balance requirements
- FREE Online Banking
- FREE Bill Pay
- Monthly statement
- Interest rate reduction of 0.25% per annum on new personal loans with auto debit from First Citizens checking
Terms
- Minimum opening deposit of $100.00
Regular Checking
The perfect account for customers who prefer a "no frills" checking account with check images included in with their monthly account statements.
Features and Benefits
- Unlimited check writing
- Unlimited transactions with "THE CHECK CONNECTION" VISA Check Card
- Monthly statement with images at no charge (electronic statement available with Online Banking)
- No monthly fee with daily balance of $500.00 or greater or an average daily balance of $1,500.00 or greater
- FREE Online Banking
- FREE Bill Pay
- Interest rate reduction of 0.25% per annum on new personal loans with auto debit from First Citizens checking
Terms
- Minimum opening deposit of $100.00
- $5.00 monthly fee if daily balance falls below $500.00 or average daily balance falls below $1,500.00
NOW Account
This is the account of choice for customers looking to earn interest on checking account balances with no limit on the number of checks that may be written each month.
Features and Benefits
- Interest earned on collected balances of $1000.00 or greater
- Unlimited check writing
- Unlimited transactions with "THE CHECK CONNECTION" VISA Check Card
- Monthly statement with check images (electronic statement available with Online Banking)
- FREE Online Banking
- FREE Bill Pay
- Interest rate reduction of 0.25% per annum on new personal loans with auto debit from First Citizens checking
Terms
- Minimum opening deposit of $1,000.00
- Monthly service charge of $9.00 if daily balance falls below $1,000.00 or average daily balance falls below $5,000.00
First Rate Account
The choice of higher balance customers, this account features market interest rates with a limit on the number of transactions allowed each month.
Features and Benefits
- Tiered interest rates based upon collected balance gives customers the ability to earn additional income from higher rates
- Ability to write up to 3 checks with a total of 6 withdrawals or transfers per month in any combination of checks or paper drafts
- FREE Online Banking
- FREE Bill Pay
- FREE personalized First Rate checks
- Monthly statement with images (electronic statement available with Online Banking)
- Lower interest rates on consumer loans with direct payment. Interest rate reduction of 0.25% per annum on new personal loans with auto debit from First Citizens checking account
Terms
- Minimum opening deposit of $7,500.00
- Monthly service charge of $15.00 if daily balance falls below $7,500.00
- Tiered rate structure for earning interest
| Tier 1: | Less than $7,500 |
| Tier 2: | $7,500 to less than $25,000 |
| Tier 3: | $25,000 to less than $50,000 |
| Tier 4: | $50,000 to less than $100,000 |
| Tier 5: | $100,000 and above |
- Limit of 6 withdrawals or transfers per month (3 by check or paper draft). Subject to a $5.00 charge per item exceeding these limits.
For detailed product information and current interest rates, please contact a Customer Service Representative by calling (800) 321-3176, (731) 285-4410 or (901) 837-3385
