Consumer Transition

How Will the Transition Affect Your Services?

 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 this page for current rates and benefits for all products. 

You may continue to use your checks issued by The Citizens Bank until your current supply runs out. Following the conversion date on Monday, November 2, 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. 

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 and will require you to set up a new Personal Identification Number (PIN). 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 that occur after November 1 that are connected to your Citizens Bank debit card with your new card information. 

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.

Renewal dates will be extended until May 1 at no cost to you. You will receive a rental fee reminder with rates and details in advance of the renewal date.


Checking Account Comparison Chart

First Commerce offers a variety of checking account options designed for every stage of life. Below you’ll find a comparison between accounts from the Citizens Bank and accounts offered at First Commerce. All accounts include free online and mobile banking.

The Citizens Bank First Commerce Credit Union Benefits
Personal Checking
Big C Checking
Free Checking

SmartStart Teen Checking
For members under age 18
  • No monthly fees 
  • No minimum monthly balance 
  • Free debit card 
  • Option to add Even Up Savings Account
Personal Checking
Big C Checking
MyWay Checking
For members age 18-29  
  • No monthly fees 
  • FCCU doesn’t charge for ATM withdrawals 
  • Annual credit report review 
  • Annual scholarship opportunity
  • 2 ATM surcharge refunds per month
Now Checking
Super Now Checking
iEarn! Checking
  • No monthly fees 
  • Interest on average daily balances over $1,000 
  • Higher daily ATM and debit card withdrawal limits 
  • Discounts on safe deposit boxes
  • Automatic ATM surcharge refunds from non-FCCU ATMs in U.S.
  • Higher rates on Money Market
Cardinal Checking iEarn! 50+ Checking
  • No monthly fees 
  • Interest on average daily balances over $1,000  
  • Higher daily ATM and debit card withdrawal limits 
  • Automatic refunds of surcharges from non-FCCU ATMs within the U.S. 
  • Discounts on safe deposit boxes
  • 25% discount on ID Protection
  • Free check images and paper statements

Additional Benefits

Save money without even trying at First Commerce!

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