First Citizens' believes banking should be easy & tailored to our member's needs

We offer a variety of different checking account options to fit any lifestyle- whether you're a student, on a fixed budget, a retiree, on active military duty or a veteran. We believe in Doing What’s Right, that’s why all of our accounts have no monthly service fees and offer bill pay, online & mobile banking, and e-statements.

















Compare Personal Checking Options


 




Student Checking

A great starter account for a student or young adult from ages 13 to 22! Account holders under the age of 18 must have a parent or guardian as a joint owner of the account. Upon reaching the age of 26 the account will revert to our Complete Checking Account.

  • $1 minimum account balance requirement
  • Non-FCFCU ATM fee rebates up to $201
  • Free first order of checks
  • Teen Debit Card 

Relationship Checking

This account rewards you with a Bonus Dividend for maintaining your banking relationship with First Citizens’.

  • $1 opening account balance requirement 
  • Up to $20 in ATM Surcharge Rebates Monthly
  • Earn Monthly Bonus Dividends2 when Maintaining a Checking and Savings Banking Relationship

Complete Checking

One of our most popular accounts for everyday banking needs!

  • $1 minimum account balance requirement
  • Free first order of checks

Health Savings Account

A Health Savings Account (HSA) is a way for individuals and families with an HSA qualified insurance, also known as High-Deductible Health Plan (HDHP), to make tax deductible contributions into an account to pay for present, future and retiree medical expenses. It is an account that receives contributions (deposits) on a tax-favored basis on behalf of an eligible individual and allows tax-free distributions used to pay for qualified medical expenses.

  • $1 minimum account balance requirement
  • Free checks


*Accounts are subject to approval.
1. May be subject to surcharge (s) by ATM owner. Rebates are refunded at the end of statement cycle.
2. Bonus Dividend of $10 when the member maintains $1,000 in a Statement Savings and has 15 Point-of-Sale transactions post to the checking account in the statement cycle. 


















Helpful Links

Explore interactive scenarios within our Education Center to help you stay on track!

We've partnered with Banzai to bring free financial wellness program to our community. Your financial future starts today with our financial education tools and resources. Whether you're a parent trying to teach your kid about money or an adult working to create a budget, our free financial wellness program is here to help you reach your unique financial goals. Learn More About Banzai