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 Banking
  • Debit Card
  • Bill Pay
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage – to cover expenses associated with restoring your identity. (Insurance Document with complete details of coverage attached.)
  • 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. (Registration/activation required.)
  • Up to $10,000 of 24-hour 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.) (Insurance document with complete details of coverage attached.)
  • 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.  (Registration/activation required.  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”!  (Registration/activation required.)


First Citizens Bank is pleased to now offer online account opening to serve you, our customer. Whether you need one of our checking account options, a savings account or want to apply for a loan, we are here to serve you!

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