REGULAR CHECKING: 
Our regular checking account offers convenience with no limit to the number of deposits or checks. 
 
  • Limitations: Requires $50 opening deposit.
  • Account Fees: A $10 monthly maintenance charge will be assessed if a minimum daily balance of $500, or an average daily balance of $1500, is not maintained during the statement cycle. 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.
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    SENIOR 50 ACCOUNT: 
    To be eligible, customers must be 50 years or older. Limitations: Requires $50 opening deposit. No minimum balance, checking at no charge. Additional fees are listed in our Account Fees schedule.  
     
     
    LIFETIME FREE CHECKING: 
    There is no monthly maintenance charge or minimum balance.  
  • Limitations: Requires $50 opening deposit. Florida Citizens Bank will allow you 2 free Non-Sufficient Funds (NSF) checks per calendar year. No copies of 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. Lifetime Free Checking will terminate in the event Florida Citizens Bank is sold to, or merged with, another banking entity.
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    NOW PERSONAL CHECKING: 
    Our NOW Checking account allows you to earn interest on your checking funds. A NOW account may be used by individuals, sole proprietorship's, unincorporated family businesses and nonprofit organizations. 
     
  • Rate Information: This account is an interest bearing account. The interest rate is variable and is paid monthly. 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. Accrued interest will not be paid if account is closed before interest is credited.
  • 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 $50 opening deposit. - Account Fees: A $10 per month maintenance charge is assessed if the daily balance falls below $1,500. Additional fees are listed on our Account Fees schedule.
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    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.  
     
  • Rate Information: The interest rate is variable and is paid monthly. The interest rate and annual percentage yield will vary based on the actual daily balance. The interest rate and annual percentage yield may change on the account monthly on the 25th of the month, if the 25th is not a business day the rate will change the following business day. The rate is based on the 90-day T-Bill rate. The interest rate and annual percentage yield are included in the Rate Chart. 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. You must maintain a minimum balance of $2500 in the account each day to obtain the disclosed APY. Accrued interest will not be paid if account is closed before interest is credited.
  • 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 $50 opening deposit.
  • Account Fees: A $10 per month maintenance charge is assessed if the daily balance falls below $2,500. Additional fees are listed on our Account Fees schedule.

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