Overdraft Privilege Plus

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  2. Overdraft Privilege Plus

Overdraft Privilege Plus

If your debit card or ATM transaction causes your spending account to overdraw, federal regulations require us to decline the transaction unless you’ve given us permission to cover the overdraft and charge a fee for that service. If you do want those types of transactions covered, you can give us permission by simply opting-in!*

There are four ways to opt-in:

  1. Stop in to any First Citizens location and see a Personal Banker to opt-in
  2. Call the First Citizens location nearest you and ask to speak with a Personal Banker to opt-in
  3. Click here, complete the form on page 2, and mail it to:
    First Citizens Bank, 2601 4th St SW, Mason City, IA 50401
  4. Email a Personal Banker and tell them you’d like to opt-in