At FCB, our motto of Service, Solutions and Strength clearly emerges in our selection and variety of checking accounts. We are dedicated to create a checking account to meet the needs of our customers. If a need arises we have not met, we are driven to meet that need.

Citizens Choice Checking

Citizens Choice Checking gives you a wealth of benefits that will help you bank smarter and protect yourself and your family.  Your Citizens Choice Checking account includes all of these benefits:

  • Online Banking (requires registration)
  • Debit Card
  • Bill Pay (requires registration)
  • Up to $10,000 Accidental Death & Dismemberment Insurance*
  • Up to $10,000 Identity Fraud Expense Reimbursement Coverage**
  • Travel and Entertainment Discount Program [no fee registration/activation required – online access is necessary for this benefit]
  • Gas and Gift Card Discounts [no fee registration/activation required]
  • Cash Back Member Rewards [no fee registration/activation required]

But that’s not all.  Your Citizens Choice Checking account also provides you with 3-in-1 Credit File Monitoring, 3-in-1 Credit Report and single bureau Credit Score,for no additional charge. [no fee registration/activation required]  Keeping your personal information secure and protecting you and your account from identity fraud is important to us.  Your new credit file monitoring benefits will help safeguard you against identity fraud.

As noted above, some of the benefits require registration and activation. Please take the time to register and activate in order to take full advantage of all of your club checking benefits.  Registration is easy! Once you open your account you will be provided with the information for registration and be given your access code.

The new monthly fee for your enhanced account will be $6.00.  While these new account services add value, we’ve made it easy to reduce or eliminate the monthly account fee:

  • Receive e-Statements – your monthly fee will be reduced by $3.00
  • Have 15 or more debit card purchases and payments (ATM withdrawals and balance inquiries excluded) post to your account during the statement cycle – your monthly fee will be reduced by $3.00
  • Combine the two above and you will eliminate your monthly fee

*Plateau Insurance Company of Crossville, TN is our Accidental Death and Dismemberment Insurance underwriter.  Your Description of Coverage is provided at account opening.  Should you wish to update or add a beneficiary, please contact First Citizens Bank and complete a new beneficiary card.  For questions regarding claims or your coverage, call 1-866-210-0361.

**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc.  The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described.  Please refer to the actual policies for terms, conditions, and exclusions of coverage.  Coverage may not be available in all jurisdictions.  Your new Summary of Benefits is provided at account opening.


Insurance products: Not insured by FDIC or any Federal Government Agency

Not a deposit of or guaranteed by the bank or any bank affiliate.

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