What We Do For Individuals

Personal Checking Accounts

Cash Back Checking

The Checking Account That Pays You

  • $25 minimum balance to open
  • $0 maintenance fee per statement cycle with $1,500 average daily balance when (1) of the following is maintained:
    • $400 in debit card transaction(s)
    • $700 in direct deposit(s)
  • OR $10 maintenance fee per statement cycle

Account Includes

  • No foreign ATM***
  • Overdraft protection†
  • First order of standard personalized checks‡

*** First Citrus Bank will not refund fees assessed by other ATM Networks.

† Overdraft protection is available to qualifying clients.

‡ Bank selects qualifying style.

Earn Up To $6 Cash* Per Statement Cycle

Earn Up to $5

$1,000 in debit card transaction(s) per statement cycle

AND (1) of the following:

  • (1) external electronic payment
  • (1) First Citrus Bank online bill payment
Earn Up to $1

At least $50,000 combined balances in one or more of the following personal accounts:

  • Money Market
  • Savings
  • Loan

* Earned cash will be credited to First Citrus Bank checking account at the end of each statement cycle.

Managing Your Card


Access 24/7

Online and Mobile Banking


Publix Presto ATMS

Access to over 1,200 Publix Presto ATMs


Tap To Pay

Enjoy using your First Citrus Bank debit card with Apple, Google and Samsung Pay


Card Valet

Manage your debit card at the touch of a button



Send Money Fast, Safe and Easy

If you have questions regarding any of our services or would like to obtain more details: