When it comes to checking accounts, most people end up paying too much for too little. We’ve designed our checking accounts for you, our members, who enjoy getting greater services for less money.
Choose from three accounts: Direct Deposit Checking, Checking Plus, Regular Checking
Direct Deposit Checking
Citizens’ Premier Checking Account for Members with Direct Deposit.*
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2.25% APY†
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Payday Comes Early: Up to 3 Days Early With Direct Deposit****
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No Monthly Service Charge
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$600 in Overdraft Protection
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Free Internet Banking
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Free Check Images Online
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Free Debit Card Transactions
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Unlimited Check Writing
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Free Online BillPay
Checking Plus
Citizens’ Checking Account designed for Members without a Direct Deposit who write 10 or less checks per month.
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No Monthly Service Charge
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Free Debit Card Transactions
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$1.00 per item after first 10 checks
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$400 in Overdraft Protection
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Free Internet Banking
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Free Check Images Online
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Free Online BillPay
Regular Checking
Citizens’ Checking Account designed for Members without a Direct Deposit who write 10 or more checks per month.
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No Monthly Service Charge with minimum of $500 per month.**
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No Monthly Service Charge for Seniors. ***
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No Per Item Fees
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Free Debit Card Transactions
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$400 in Overdraft Protection
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Free Internet Banking
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Free Check Images Online
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Free Online BillPay
Debit Cards
Lost or Stolen Card? Call 800.383.8000
Activate & Set/Change PIN Number: Call 800.717.4923
MasterCard Debit Card
It’s more than a card. It’s purchasing power. Looks like a credit card… acts like a check, only better because the Citizens Mastercard Debit Card is accepted at any merchant that takes Mastercard!
ATM Locations
Now you can obtain cash from your checking or savings account 24 hours a day through our Citizens FCU Drive-Thru ATMs located at:
701 E FM 700, Big Spring, TX
2609 W Loop 250, Midland, TX
2110 W Wall Street, Midland, TX
PLUS, enjoy access from several popular ATM networks throughout the United States and abroad!
You can get cash 24/7 at ATMs that display any of the following logos:
UIGEA Disclosure
Notice of Safety Precautions
Apple Pay
Make your Citizens debit card easier to use with Apple Pay!
Add your Citizens debit card to Apple Pay
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On iPhone® just open the Wallet app and tap the plus sign. From there, follow the onscreen instructions
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On Apple Watch™, open the Apple Watch app on your iPhone and select “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.” From there, follow the onscreen instructions.
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If you need more help, click here for more instructions.
Make your Citizens debit card your default card
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Go to Settings on your device
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Select Wallet & Apple Pay
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Tap Default card
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Choose your Citizens debit card
How to use Apple Pay
Look for these symbols at checkout.
Any terminal with either one of these symbols means Apple Pay is accepted.
Use your fingerprint.
To use your default card, rest your finger on Touch ID and hold your iPhone within an inch of the contactless reader until you see Done and a checkmark on the display.
That’s it!
You’ll feel a subtle vibration, hear a ding and see a checkmark on your screen. You’re done!
Use Apple Pay on these devices
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iPhone X
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iPhone 8
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iPhone 8 Plus
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iPhone 7
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iPhone 7 Plus
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iPhone 6s
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iPhone 6s Plus
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iPhone 6
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iPhone 6 Plus
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iPhone SE
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Apple Watch
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2016 MacBook Pro
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iPad Pro
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iPad Air 2
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iPad Mini 4
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iPad Mini 3
Why use Apple Pay?
Faster Than The Chip
We all know the new EMV Chip cards aren’t the quickest. Apple Pay is much faster!
Private Payments
Apple Pay doesn’t store the details of your transactions so they can’t be tied back to you. Only your most recent purchases are kept in Wallet for your convenience.
Device Account Number
With Apple Pay, instead of using your actual credit card number, a unique Device Account Number is assigned to each device and used to process your purchases.
Shop Online With Confidence
Some stores will let you pay with Apple Pay through their app or website. Your transaction and card number are secure even online!