Personal

Personal Banking


Personal Checking Accounts

First City Bank offers three personal checking accounts to meet your needs. All accounts require a minimum deposit to open and have no service charges if account terms, conditions, and minimums are met.

PREMIER CHECKING is designed for people who keep higher balances in their checking accounts. Unlimited transactions without additional fees. This account requires $1,000 minimum balance and has a $10 monthly service fee if balances fall below this level. Interest is accrued daily on the collected balance for this account. Monthly service fee is also waived if combined balances in First City Bank Savings, CDs, and Checking are $5,000 or greater.

CLASSIC CHECKING is our Free Checking Account. Designed for individuals who need no minimum balance requirements and unlimited check writing ability.

VALUE CHECKING is targeted at Students and Senior Citizens who write few checks. No minimum balance requirement. No regular monthly service fee. You may write no more than 7 checks per statement cycle. A $2 per check fee will be assessed to this account after 7 checks each statement cycle.

ALL FIRST CITY BANK PERSONAL CHECKING ACCOUNTS OFFER: Free first order of checks, free ATM/DEBIT card, Overdraft Protection with low annual fee for CREDIT QUALIFIED customers, free access to Internet Banking with myPay and myMobile Banking app.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license and other identifying documents.

Personal Savings Accounts

MONEY MARKET SAVINGS at First City Bank offers a competitive interest rate with a $1,000 minimum balance. Limited check writing capability.

REGULAR SAVINGS allows you to earn interest with a $100 minimum balance.

SELECT SAVINGS offers a competitive interest rate with a $25,000 minimum balance.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license and other identifying documents.

Certificates of Deposit, IRAs

First City Bank offers CDs with maturities from 3 months to 60 months at competitive market interest rates.

At First City Bank we offer Traditional, Roth, Individual Retirement Accounts in CDs of various maturities. Call our Customer Service Representative at (614) 487-1010 to discuss rates.

Investments, Retirements, Benefits, Estate Planning

As a true Community based bank, First City Bank offers referrals to professionals in our community to assist you with many of your investment, retirement, and estate planning needs.

To learn more, call our Customer Service Representatives at (614) 487-1010.

Personal Services

Safe Deposit Boxes

First City Bank has safe deposit boxes for storage of your valuable documents and personal items.

Size of Box Annual Cost
3 x 5 $20
5 x 5 $30