Business Transition

How Will the Transition Affect Your Services?

You may continue to use your checks issued by The Citizens Bank until your current supply runs out. Following the conversion date on Sunday, November 1, we encourage you to order your new First Commerce checks and take advantage of a $20 discount on your first order by calling our Contact Center. Or you may email us at FCCUMemberServices@FirstCommerceCU.org and request that a team member contact you about ordering your first set of checks. This discount offer is good through April 30, 2021. Please Note: Checks ordered through a third-party company will not be eligible for the $20 discount. 

If you have a loan with The Citizens Bank, your loan account number will change as of Monday, Nov. 2. You will receive a separate mailing with your new account number. Loan payment amounts and terms will remain the same. Any automatic payment arrangements you have made will not change. We offer a variety of convenient options to make your loan payments. Visit FirstCommerceCU.org/LoanPayments to see options. 

We will mail your new First Commerce debit card to you in the third week of October. Your new card will arrive in a plain, unmarked envelope with activation instructions enclosed. Your First Commerce debit card can be activated upon receipt. Please note, your debit card will not be available for use until the system conversion is complete on Monday, November 2, 2020.

You may continue to use your Citizens Bank debit or ATM card through the end of the day on Sunday, November 1. After this date, these cards will no longer be active. Members who currently have an ATM card will receive a First Commerce debit card. 

After receiving your new FCCU debit card, be sure to update any recurring payments/subscriptions connected to your Citizens Bank debit card with your new card information after November 1. 

If you have a CD (including IRA CDs) or Money Market account with The Citizens Bank, your account number will change. However, maturity dates and rates on CDs and IRA CDs will remain the same. You will receive a separate mailing with your new account number. Visit FirstCommerceCU.org for current rates and benefits for all products.


Checking Account Comparison Chart

Keep your business running smoothly and efficiently with a business checking account that fits your needs. That’s the power of yes! First Commerce offers business checking account options for businesses and organizations of all sizes. Below you’ll find a comparison between accounts from the Citizens Bank and accounts offered at First Commerce. 

The Citizens Bank First Commerce Credit Union Benefits
Free Business Checking
Business Interest Checking
Business Checking
  • No minimum balance 
  • Earns Interest 
  • Unlimited transactions and check writing 
  • No per-item charges 
  • User Management feature in digital banking to add separate users and control their access to accounts 
  • Check Images with Statements 
  • Export your transaction activity into Quicken, QuickBooks and others for easy bookkeeping
Public Funds Checking (Formerly known as Now Account, Business Account, Super Now Account, etc.) Public Funds Checking
  • No minimum balance 
  • Unlimited transactions and check writing 
  • User Management feature in digital banking to add separate users and control their access to accounts 
  • Check Images with Statements 
  • Export your transaction activity into Quicken, QuickBooks and others for easy bookkeeping 
Checking for Associations and Nonprofit Organizations  Community Checking
  • Earns interest
  • No fees with avg. daily balance of $2,500
  • Free processing up to 350 checks per month
  • User Management feature in digital banking to add separate users and control their access to accounts 
  • Check images with statements
  • Export your transaction activity into Quicken, QuickBooks and others for easy bookkeeping

Additional Benefits

  • Free online and mobile banking services, including mobile deposit, bill pay, real-time text/email alerts, and more 
  • Enhanced Tools including ACH origination, payroll processing, tax reporting, merchant services and more.  
  • Free financial education workshops (virtual and in-person) for employees of local businesses through the FCCU Foundation

For a complete schedule of rates and fees, read the Business Membership and Account Agreement Disclosures.