Citizens Choice Checking

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 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 Banking1
  • Mobile Banking1
  • Mobile Deposit1 (Subject to approval)
  • Debit Card
  • Bill Pay1
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage – to cover expenses associated with restoring your identity.2
  • Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case who will work with you until your identity is restored
  • Credit File Monitoring – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports.1
  • Up to $10,000 Accidental Death & Dismemberment Insurance – Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)2
  • Up to $400 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device – $50 deductible applies; maximum of two claims per years; covers the first four phones on cellular telephone bill paid through your eligible checking account.2
  • Cash Back Member Rewards –You can earn 10% cash back on your everyday purchases – such as groceries, household supplies, entertainment.  Save receipts and submit quarterly for cash back rewards.  You are eligible to submit receipts totaling up to $100 each quarter for a total cash back of up to $10/quarter or up to $40/annually.1(Additional terms and conditions may apply.)
  • Mobile Retail and Dining Discounts –Savings On-the-Go. Enjoy money-saving discounts from your favorite retail locations. We make it simple to save with immediate access to mobile coupons. Easily find locations closest to you, scan barcodes right from your mobile device, and keep track of your “Favorite Deals”!1

The maintenance fee is $6.00 per month. If you are enrolled in e-Statements, the fee is reduced by $3.00. If 15 or more debit card purchases and payments (ATM withdrawals and balance inquiries excluded) post to your account during the statement cycle, the fee is reduced by $3.00. Combine the two and you will eliminate your monthly maintenance fee.

1 Registration or activation required.

2 The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the insurance document.

Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the Bank or any Bank Affiliate.


First Citizens Bank is here to meet the financial needs of our customers and communities. Our personal service will show that we care. We are here to serve you!

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