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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.*

  • 2.25% APY†
  • Payday Comes Early: Up to 3 Days Early With Direct Deposit****
  • 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
  • $2.00 per item after first 10 checks
  • $600 in Overdraft Protection
  • Free Internet Banking
  • Free Check Images Online
  • Free Online BillPay
  • $100 Minimum Amount to Open

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
  • $600 in Overdraft Protection
  • Free Internet Banking
  • Free Check Images Online
  • Free Online BillPay
  • $100 Minimum Amount to Open

* Direct Deposit must be over $500/month
† 2.25% 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 2.25% 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
****Payday Comes Early offers immediate credit of your direct deposit to your account up to three (3) days early based upon when we receive your payroll from your employer. We cannot assume any liability for not depositing these funds to your account early. You agree to be bound by Automated Clearing House association rules.  These rules provide, among other things, that payments made to you are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account.

Debit Cards

Lost or Stolen Card? Call 800.383.8000

Activate & Set/Change PIN Number: Call 800.717.4923

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, Samsung Pay, Google Pay

Get ready to experience the ultimate in convenience and security when you bank with Citizens Federal Credit Union! Our debit cards now support Samsung Pay, Apple Pay, and Google Pay. That means you can enjoy fast, easy, and secure mobile payments no matter where you go.

Why use Mobile Payments?

Convenience: You can make quick and easy payments with just a few taps on your mobile device, without the need to carry cash or a physical debit card.

Security: Mobile payments offer enhanced security features, such as tokenization and biometric authentication, which help protect your sensitive payment information.

Accessibility: You can use mobile payments at a wide range of merchants, both online and in-person, making it easy to pay for purchases and bills from anywhere.

Rewards: Some mobile payment options offer rewards or cashback incentives for using their services, which can help you save money on your purchases.

Contactless: In light of the COVID-19 pandemic, mobile payments provide a contactless payment option, which helps reduce the spread of germs and provides a safer payment experience.