Personal Checking

First Citizens Bank has checking accounts to suit your lifestyle. Whether it’s convenience, simplicity, packages benefits or maximizing your returns, we have an account to suit your individual needs.

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


To learn more about our personal checking 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 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 later 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.





Skip Navigation Links