Business Deposit Accounts

No matter how simple or sophisticated your needs, First Citizens Bank has a business account for you.

These features apply to all non-personal accounts:
  • Minimum required to open - $50
  • Convenience Banking: online banking, mobile banking, and bill pay
  • Visa Debit card (checking only)
  • Images returned with all statements
  • eStatements available


To learn more about our non-personal deposit accounts, please click below for details.





For additional information, please visit a local branch or contact our Main Office at 270-769-2301



^Interest is compounded daily on the average daily available balance and credited on the last day of statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Rates subject to change at Management’s discretion. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The period we use is the statement cycle. Interest begins to accrue no late than the business day we receive credit for the deposit of noncash items (for example, checks).


*Federal Regulation D. Federal regulations limit the number of withdrawals and/or transfers that may be made from a savings account by telephone/PC transfer, pre-authorized transfer, check or debit card. You are limited to six withdrawals and/or transfers from your savings account each statement cycle or calendar month by pre-authorized transfer or telephone/PC transfer, including bill payments, and, if the account permits, transfers by check or debit card. For combined statements, if your savings account statement is combined with your checking account statement, you are limited to no more than six (6) withdrawals per statement cycle. If you receive your savings account statement quarterly, you are limited to no more than six (6) withdrawals per calendar month. You may make six (6) withdrawals from your account each calendar quarter with no fee; withdrawals exceeding the six (6), including electronic withdrawals, will be subject to a $3.00 excessive withdrawal fee.


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