Personal Savings

First Citizens Bank wants to help you achieve your financial goals.

To learn more about our personal savings account, please click below for more details.



With each savings account, we offer online banking, mobile banking, and eStatements.


Certificates of Deposits and Individual Retirement Accounts are also available in various term options.

For more information on the above products including rates and the penalty assessed for early withdrawal on a Certificate of Deposit and Individual Retirement Accounts, 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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