CHARLES CITY UPDATE: Beginning January 2, 2026, our Charles City office LOBBY will open at 9:00am Monday - Friday. Our drive-up hours will remain the same. View our Charles City location and hours
Basics for Your Checking Account
All the essentials you need and additional services to take advantage of for your checking account.
Basic Checking Account Details
Fee Information
Maintain an average collected balance of $50, and we'll waive the $7 monthly fee.2
Free First Citizens Debit Card1
Pay for purchases and make ATM withdrawals with money debited straight from your checking account.
Digital Banking Tools
Online Banking, Mobile Banking, Bill Pay, Money Management, and eStatements.
eStatements
$5.00 Monthly Paper Statement Fee2
Receive your statements electronically via Online & Mobile Banking.
Additional Services
Need to balance your checkbook?
This form is provided to help you verify your account balance with this statement.
Overdraft Privilege Plus
We can cover you when you do not have enough money in your account.