At Florida Citizens Bank, we've made personal checking accounts simple to access. We have convenient lobby and drive-thru hours, with drive-thru banking on Saturdays. You can also arrange for direct deposit of your paycheck, pension or social security checks.
Take a look at our many different Checking and Savings Accounts to serve your needs:
REGULAR CHECKING
Our regular checking account offers convenience with no limit to the
number of deposits or checks.
Limitations:
Requires $200 opening deposit.
Account
Fees: A $10 a month maintenance fee is assessed
if a minimum daily balance of $500 or an average daily balance of $1,500 is not
met. The average daily balance is calculated by adding the principal in the
account for each day of the period and dividing that figure by the number of
days in the period. Additional fees are listed on our "Account Fees" schedule.
SENIOR 50 ACCOUNT
To be eligible, customers must be 50 years or older. No minimum
balance, checking at no charge. Additional fees are listed in our "Account
Fees" schedule.
Limitations: Requires $200 opening deposit.
FREE LIFETIME CHECKING
There is no monthly maintenance charge. Florida Citizens Bank will
allow you 2 free Non-Sufficient Funds (NSF) checks per calendar year. No
canceled checks or copies of canceled checks will be returned with your monthly
statement. You will be allowed 2 copies of paid checks or deposited items free
per statement cycle. Additional copies are $5 each. The cost of checks will
vary depending on the style ordered. Free Lifetime Checking will terminate in
the event Florida Citizens Bank is sold to, or merged with, another banking
entity.
NEW CHANCE
CHECKING
Through a relationship with Genpass Technologies, New Chance Checking
offers those individuals who have a blemished banking history an opportunity to
once again open a bank account. Florida Citizens Bank will open a checking
account that is connected to Genpass Technologies through an electronic Pay
Card. Each time the account holder deposits funds, FCB will transfer the
available funds to the Pay Card which can be used anywhere PIN based
transactions are permitted. There will be an initial administrative fee for the
Pay Card of $18. The card and PIN number will be mailed directly to the account
holder. Each time FCB transfers funds to the account holders card there will be
a $7.50 transfer fee deducted from the transfer amount. Genpass Technologies
charges additional fees for transactions and these fees are disclosed
separately in the "Pay Card Enrollment Authorization".
Deposit
Limitations: Depending on the type of check you
deposit, funds may be on hold for 7 business days. Every day is considered a
business day except Saturdays, Sundays and federal holidays. Funds from the
following deposits may be available on the first business day after the day of
your deposit: U.S. Treasury Checks; Direct Deposits via Automated Clearing House
(ACH); wire transfers; checks drawn on Florida Citizens Bank; Cash; State and
local government checks; Cashier’s checks; Certified checks; U.S. Postal
Service Money Orders; Federal Reserve Checks and certain other local
checks.
Withdrawal
Limitations: No over-the-counter withdrawals or check
withdrawals are permitted for this account. No checks or deposit tickets will
be ordered. This account requires special deposit tickets available only at
Florida Citizens Bank branches at the time of deposit. Minimum amount of
transfer is $10. Online Banking and the Voice Response System are not available
with this account.
NOW
CHECKING
Our NOW Checking account allows you to earn interest on your checking
funds. A NOW account may be used by individuals, sole proprietorships,
unincorporated family businesses and nonprofit organizations. The interest rate
is variable and is paid monthly.
Rate
Information: This account is an interest bearing
account. The interest rate and annual percentage yield are included in the Rate
Chart. The interest rate and annual percentage yield may change, at our
discretion, at any time. Interest will be compounded and credited to the
account monthly. Interest begins to accrue on the date of deposit if received
by 7:00 pm on a business day.
Balance
Information: We use the daily balance method to
calculate the interest on the account. This method applies a daily periodic
rate to the principal in the account each day.
Limitations:
Requires $200 opening deposit.
Account
Fees: A $10 per month maintenance fee is assessed if the
daily balance falls below $1,500. Additional fees are listed on our "Account
Fees" schedule. Accrued interest will not be paid if account is closed before
interest is credited.
NOW T-BILL
CHECKING
NOW T-Bill offers you maximum convenience and earnings. You’ll get
checking at a higher rate than our NOW account. The interest rate is variable
and is paid monthly.
Rate
Information: This account is an interest bearing
account. The interest rate and annual percentage yield are included in the Rate
Chart. The interest rate and annual percentage yield may change, at our
discretion, at any time. Interest will be compounded and credited to the
account monthly. Interest begins to accrue on the date of deposit if received
by 7:00 pm on a business day.
Balance
Information: We use the daily balance method to
calculate the interest on the account. This method applies a daily periodic
rate to the principal in the account each day.
Limitations:
Requires $200 opening deposit.
Account
Fees: A $10 per month maintenance fee is assessed if the
daily balance falls below $2,500. Additional fees are listed on our "Account
Fees" schedule. Accrued interest will not be paid if account is closed before
interest is credited
MONEY
MARKET ACCOUNT
Our Money Market account combines the convenience of a traditional
savings account with the higher yield of money market interest rates.
Rate
Information: This account is an interest bearing
account. The interest rate and annual percentage yield are included in the Rate
Chart. The interest rate and annual percentage yield may change, at our
discretion, at any time. Interest will be compounded and credited to the
account monthly. Interest begins to accrue on the date of deposit if received
by 7:00 pm on a business day.
Balance
Information: We use the daily balance method to
calculate the interest on the account. This method applies a daily periodic
rate to the principal in the account each day.
Limitations:
Requires $2,500 opening deposit. You may make six (6)
transfers from your account during a statement cycle, however only three (3)
may be payments by check or POS to third parties.
Account
Fees: A $10 per month maintenance fee is assessed if the
daily balance falls below $2,500. Six transfers are allowed per statement cycle,
with a $3 fee for excessive withdrawals. Accrued interest will not be paid if
account is closed before interest is credited. Additional fees are listed on
our "Account Fees" schedule. You receive unlimited over-the-counter withdrawals
at no charge.
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Free Checking |
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New Chance Checking
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