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Free Checking

The word “free” pretty much says it all. No minimum balance. No monthly maintenance fees. No pressure.

Contact Us
Our Free Checking account is for people who want no minimum balance and no monthly maintenance fee, but still want to write checks and bank online.
  • No monthly fees
  • No minimum balance requirements
  • Free online banking
  • Free bill pay
  • Free mobile banking
  • Monthly statement
  • Monthly eStatements available with online banking
  • Unlimited check writing
  • Unlimited debit card transactions
  • Interest rate reduction of 0.15% per year on new personal loans with auto debit*


*Subject to credit approval

  • Minimum opening deposit of $100
  • No monthly fee
  • No minimum balance requirements

What our
customers say

I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer