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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.*

  • 1.00% APY†
  • No Monthly Service Charge
  • $600 in Overdraft Protection
  • Free Internet Banking
  • Free Check Images Online
  • Free Debit Card Transactions
  • Unlimited Check Writing
  • Free Online BillPay

Checking Plus

Citizens’ Checking Account designed for Members without a Direct Deposit who write 10 or less checks per month.

  • No Monthly Service Charge
  • Free Debit Card Transactions
  • $1.00 per item after first 10 checks
  • $400 in Overdraft Protection
  • Free Internet Banking
  • Free Check Images Online
  • Free Online BillPay

Regular Checking

Citizens’ Checking Account designed for Members without a Direct Deposit who write 10 or more checks per month.

  • No Monthly Service Charge with minimum of $500 per month.**
  • No Monthly Service Charge for Seniors. ***
  • No Per Item Fees
  • Free Debit Card Transactions
  • $400 in Overdraft Protection
  • Free Internet Banking
  • Free Check Images Online
  • Free Online BillPay

* Direct Deposit must be over $500/month
† 1.00% paid on the first $25,000 on deposit, 0.10% over $25,000. Dividend requires at least 4 point of sale debit card transactions per month. APY = Annual Percentage Yield. There are no monthly service fees with a minimum monthly direct deposit of $500. A Minimum deposit of $25 is required upon opening. This is a tiered account. Once a particular balance range is met, the Dividend Rate and APY listed for that balance range will apply only to the balance in the account over that amount. Dividends are calculated on the daily balance method which applies a periodic rate to the balance in the account each day. APY could change without notice and after account is opened. You must make 4 debit card transactions excluding ATM withdrawals, each month on this account to qualify for the 1.00% APY tier. To qualify, the transactions must post to your account by the close of business on the last day of the month.You will earn 0.10% APY if you don’t meet the monthly requirements. Maintenance or Activity Fees associated with an account may reduce earnings. All terms and conditions are subject to change.
**$9.50/month service charge if balance drops below $500.
*** Age 65 or older

Debit Cards

Lost or Stolen Card? Call 800.528.2273 | International call 813.647.9794

Citizens Debit Card

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

We now have No Fee ATMs around the Permian Basin!

For a full list, download our free app to get directions to No Fee ATMs!
Download for iPhone, iPad, and Android.

As part of the CO-OP network, members now have access to nearly 30,000 surcharge-free ATMs around the country! Search for a CO-OP ATM near you.

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:

Cirrus Logo

Honor Logo


Pulse Logo

Star Logo

UIGEA Disclosure
Notice of Safety Precautions

Apple Pay

Make your Citizens debit card easier to use with Apple Pay!

Citizens Apple Pay

Add your Citizens debit card to Apple Pay

  • On iPhone® just open the Wallet app and tap the plus sign. From there, follow the onscreen instructions
  • 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.
  • If you need more help, click here for more instructions.

Make your Citizens debit card your default card

  • Go to Settings on your device
  • Select Wallet & Apple Pay
  • Tap Default card
  • Choose your Citizens debit card

How to use Apple Pay

Look for these symbols at checkout. Apple Pay

Any terminal with either one of these symbols means Apple Pay is accepted.

Use your fingerprint. checkout

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

  • iPhone X
  • iPhone 8
  • iPhone 8 Plus
  • iPhone 7
  • iPhone 7 Plus
  • iPhone 6s
  • iPhone 6s Plus
  • iPhone 6
  • iPhone 6 Plus
  • iPhone SE
  • Apple Watch
  • 2016 MacBook Pro
  • iPad Pro
  • iPad Air 2
  • iPad Mini 4
  • 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!