What We Do For Individuals

Personal Checking Accounts

Citrus Gold Checking

Rewarded With Interest

  • $25 minimum balance to open
  • $0 maintenance fee per statement cycle when (1) of the following is maintained:
    • $2,500 minimum daily balance in Citrus Gold Checking account
    • $3,500 minimum daily balance in Personal Savings account
    • $5,000 minimum daily balance in Personal Money Market account
    • $10,000 minimum daily balance in Personal Certificate of Deposit account

    OR $17 maintenance fee per statement cycle

  • Earn interest on balances $1,000 and over

Citrus Gold Checking Account Includes

  • Visa debit card with chip technology
  • Mobile banking*
  • Publix Presto ATM Network
  • No foreign ATM fee**
  • Overdraft protection***
  • Standard personalized checks †
  • Official checks
  • 3x5 safe deposit box

* Message and data rates apply.

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

*** Overdraft protection is available to qualifying clients.

+ Bank selects qualifying style.

Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account each statement cycle. The interest rate is subject to change.

Balance Information: Daily balance method will be used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The client must maintain a minimum daily balance of $1,000 to obtain the disclosed annual percentage yield. No interest will be earned during the statement cycle on days in which the balance falls below $1,000. Additional charges may reduce APY earnings.

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