• Interest compounding monthly provides additional income to customers
• Free personalized Dogwood checks
• 50% discount on scenic checks provides a cost savings for customers who want a more elaborate check
• Write as many checks as you want with unlimited check writing at no charge
• Two free stop payments per year is an additional cost savings
• Unlimited transactions with "THE CHECK CONNECTION" VISA Check Card
• FREE Online Banking
• FREE Bill Pay
• Monthly statement with check images (electronic statement available with Online Banking)
• 25% discount on rental fee for any size safe deposit box
• Interest rate reduction of 0.15% per annum on new personal loans with auto debit from First Citizens checking (subject to credit approval)
• $10,000 Accidental Death and Dismemberment Insurance through Affinion Benefits Group, LLC.  Benefits include:

                 $10,000 AD & D Coverage

                  Rx Advantage Prescription Drug Program

                  Payment Card Protection

• Low minimum opening deposit of $100.00
• Low monthly fee of $8.00
• Customers age 50 and over pay a monthly fee of only $5.00
• Interest earned on daily collected balances of $500 or greater