• Let's go to new heights together!

    Review our account matrix to see what's best for you.

  • We are there for you through your entire banking life-cycle

  • We are rising to the occasion.

    We have account options catered to your needs.

Personal Accounts

Your personal bank account – and your personal banker – will deliver the service you need and much more. Attention to detail and our friendly, personal service will make the difference every time.

Bill Payment

It’s easier than ever to pay and keep track of your bills with Online Bill Pay. You’ll have total control with fewer steps and more protection. Just choose a bill, enter your information and decide how much and when to pay it. You can pay any company or any person any amount on any date you choose—and we guarantee your payment will arrive on time.

PopMoney

Send money to your child at college! Get paid back for arranging an outing, like a concert or party!

The Popmoney personal payment service eliminates the inconvenience of checks and cash by allowing you to send money to virtually anyone you know or owe directly from your bank account. All you need is the recipient’s email address or mobile number. No hassles for you OR anyone else!

24/7 Access

Manage your account 24/7 online! Once you complete your enrollment into Retail Online Banking, you will have access to enroll into Bill Pay. Popmoney will be included within the upgraded Bill Pay offering.

Enroll Now

This is a link to a third-party site. Note that the third party's privacy policy and security practices may differ from our standards. We assume no responsibility nor do we control, endorse or guarantee any aspect of your use of the linked site.

Personal Checking Account

Your personal bank account - and your personal banker - will deliver the service you need ... and much more. Attention to detail and our friendly, personal service will make the difference every time.

Whether you're cashing a check at the teller window, making a deposit at the drive-thru, or banking online, we are always happy to see you ... and to be of service!

    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
  • Fees & Requirements

    • $250
    • $100
    • $100
    • $50
    • $25
    • $1,000
    • $0
    • $1,500
    • $0
    • $0
    • $17
    • $10
    • $14
    • $0
    • $0
    • $2,500
    • $500
    • $1,500
    • $0
    • $0
    • $0
    • $0
    • $0
    • $0
    • $.50 each
LESS DETAILS

Citrus Gold Checking

Banking the way it should be. Citrus Gold is First Citrus Bank's premier personal checking account. With the Citrus Gold Account, you receive the following benefits:

  • Free Personal Checks
  • Free Cashier's Checks
  • Free Notary Service
  • Unlimited check writing
  • No per item fees
  • Complimentary VISA Debit Card
  • Free transactions at First Citrus Bank ATMs
  • Interest paid on balances over $1,000
  • Minimum to open: $250
  • $17.00 maintenance fee per statement cycle, if applicable
  • No maintenance fees if you maintain one of the following:
    • $2,500 minimum daily balance in the Citrus Gold account
    • $3,500 minimum daily balance in a Savings account
    • $5,000 minimum daily balance in a Money Market account
    • $10,000 minimum daily balance in a Certificate of Deposit account

Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account statement cycle. The interest rate is subject to change.

Balance Information: We will use the daily balance method to calculate the interest on the account, which applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily balance of $1,000 to obtain the disclosed annual percentage yield.  No interest will be earned during the statement cycle in days that the balance falls below $1,000.  Additional charges may reduce APY earnings.

Personal Checking

Enjoy the freedom of unlimited check writing with the First Citrus Bank Personal Checking account

  • Minimum to open: $100
  • With a minimum daily balance of $500, or an average statement cycle balance of $1,000 - No maintenance fee
  • $10.00 maintenance fee per statement cycle, if applicable
  • No per item fees
  • Complimentary VISA Debit Card
  • Free transactions at First Citrus Bank ATMs

Personal Interest Checking

The First Citrus Bank Personal Interest Checking account offers the convenience of unlimited check writing, with the additional benefit of earning interest.

  • Minimum to open: $100
  • With a minimum daily balance of $1,500, or an average statement cycle balance of $3,000 - No maintenance fee
  • $14.00 maintenance fee per statement cycle, if applicable
  • Complimentary VISA Debit Card
  • Free transactions at First Citrus Bank ATMs

Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account each statement cycle. The interest rate is subject to change.

Balance Information: We will use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily balance of $1,500 to obtain the disclosed annual percentage yield. No interest will be earned during the statement cycle in days that the balance falls below $1,500. Additional charges may reduce APY earnings.

Senior Checking

With the First Citrus Bank Senior Checking account, you can enjoy unlimited check writing, free personalized checks, and no maintenance fees - ever. This account is available to individuals 50 and over.

  • Minimum to open: $50
  • No minimum balance required after account opening
  • No maintenance fee
  • No per item fees
  • Free personalized, standard wallet checks
  • Complimentary VISA Debit Card
  • Free transactions at First Citrus Bank ATMs

Economy Checking

First Citrus Bank's Economy Checking account is a basic checking account with no balance requirements.

  • Minimum to open: $25
  • No minimum balance required after account opening
  • 10 free checks paid per statement cycle
  • Additional checks $.50 each
  • Complimentary VISA Debit Card
  • Free transactions at First Citrus Bank ATMs

Personal Savings Account

  • Savings Account Features

    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
    •  
  • Fees & Requirements

    • $100
    • $2,500
    • $1,000
    • $1,000
    • $3
    • $14
    • $0
    • $0
    • $300
    • $2,500
    • $0
    • $0
    • $2
    • $5
    • $0
    • $0
LESS DETAILS

Personal Savings

This First Citrus Bank Personal Savings account allows you to earn interest on your money.

  • Minimum to open: $100
  • With a daily balance of $300 - No maintenance fee
  • $3.00 maintenance fee per statement cycle, if applicable
  • 2 withdrawals per statement cycle at no charge
  • Additional withdrawals $2.00 each
  • Free transactions at First Citrus Bank ATMs

Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account each statement cycle. The interest rate is subject to change.

Balance Information: We will use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily balance of $300 to obtain the disclosed annual percentage yield. No interest will be earned during the statement cycle in days which the balance falls below $300. Additional charges may reduce APY earning

Personal Money Market

Earn a competitive interest rate and enjoy immediate access to your funds with the First Citrus Bank tiered Personal Money Market account. It's flexible and offers a variety of advantages.

  • Minimum to open: $2,500
  • With minimum daily balance of $2,500 - No maintenance fee
  • $14.00 maintenance fee per statement cycle, if applicable
  • Imaged statements
  • 6 covered withdrawals allowed during a statement cycle, per Federal Regulations
  • Additional withdrawals $5.00 each
  • Below are the interest rates tiers based on daily balances:
    • Tier I - $2,500 - $9,999.99
    • Tier II - $10,000 - $49,999.99
    • Tier III - $50,000 and up

Rate Information: Interest begins to accrue no later than the business day we receive the credit for the deposit of non-cash items. Interest will be compounded daily, and credited to the account each statement cycle. The interest rate is subject to change.

Balance Information: We will use the daily balance method to calculate the interest on the account, which applies a daily periodic rate to the principal in the account each day. The customer must maintain a minimum daily balance of $2,500 to obtain the disclosed annual percentage yield. No interest will be earned during the statement cycle in days which the balance falls below $2,500. Additional charges may reduce APY earnings.

Certificate of Deposits (CD)

For longer term investments with higher yield, First Citrus Bank offers a variety of Certificates of Deposit. Interest rates vary according to term, and interest can be paid monthly on anniversary, quarterly on anniversary, semiannually on anniversary, or at maturity - it's your choice! Interest may be reinvested, deposited to another account, or paid by check. CDs are subject to a penalty for early withdrawal.

  • Minimum to open: $1,000
  • Terms range from three (3) months to sixty (60) months
  • Automatic certificate renewal available

IRA

Set aside money for retirement with a First Citrus Bank IRA savings account. First Citrus Bank offers traditional IRAs in the form of Certificates of Deposit.

  • Minimum to open: $1,000
  • Terms range from three (3) months to sixty (60) months
  • No penalty for withdrawal after reaching age 59 1/2
  • Subject to penalty for early withdrawal, as required by law

Interest Rates

Current Deposit Rates1

Effective 


Minimum to Earn Annual Percentage Yield NEW $ INT RATE NEW $ Annual Percentage Yield %3
CERTIFICATES OF DEPOSIT2
3 months $1,000 0.10 0.10
6 months $1,000 0.30 0.30
9 months $1,000 0.30 0.30
11 months $1,000 0.40 0.40
12 months $1,000 0.70 0.70
18 months $1,000 1.12 1.13
24 months $1,000 1.24 1.25
36 months $1,000 1.39 1.40
48 months $1,000 1.49 1.50
60 months $1,000 1.88 1.90
MONEY MARKET
PERSONAL TIERS
TIER 1 $2,500.00-$9,999.99 $2,500 0.05 0.05
TIER 2 $10,000.00-$49,999.99 $10,000 0.20 0.20
TIER 3 $50,000.00 & UP $50,000 0.30 0.30
OTHER
CITRUS GOLD $1,000 0.10 0.10
PERSONAL INTEREST CHECKING $1,500 0.10 0.10
SAVINGS $300 0.16 0.16

1 Fees May Reduce Earnings. Rates are subject to change at any time.

2 Penalty may be imposed for early withdrawal

3 Annual Percentage Yield

* More information on specific account requirements can be viewed by clicking on that account name above.

  • Citrus Park
  • Carrollwood
  • Kennedy
  • South Tampa
  • Brandon
  • Follow Us:
  • Visit Our Facebook Page
  • Visit Our LinkedIn Page
First Citrus Bank Site Map Privacy Notice10824 N. Dale Mabry Hwy Tampa, FL 33618 All rights reserved | logo-ehlEqual Housing Lender, Member FDIC.

Personal Online Banking Enrollment

We've enhanced our online banking to better serve you. If you haven't already done so, please enroll in our new system.

Note: This will take you to a third-party site. Note that the third party's privacy policy and security practices may differ from our standards. We assume no responsibility nor do we control, endorse or guarantee any aspect of your use of the linked site.

Enroll Now Continue to Login
Brandon Location Map

First Citrus Bank Brandon

1314 Oakfield Drive | Brandon, FL 33511

Customer Service

813-864-0929

Loans

813-269-5414

Fax

813-864-0937

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
Carrollwood Location Map

First Citrus Bank Carrollwood

10824 N. Dale Mabry Hwy | Tampa, FL 33618

Customer Service

813-926-2848

Loans

813-269-5414

Fax

813-269-5416

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
Citrus Park Location Map

First Citrus Bank Citrus Park

13850 Sheldon Road | Tampa, FL 33626

Customer Service

813-926-5588

Loans

813-269-5414

Fax

813-864-1250

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
Kennedy Location Map

First Citrus Bank Kennedy

4302 West Kennedy Blvd. | Tampa, FL 33609

Customer Service

813-422-6625

Loans

813-269-5414

Fax

813-422-6650

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm
South Tampa Location Map

First Citrus Bank South Tampa

4240 Henderson Boulevard | Tampa, FL 33629

Customer Service

813-287-0992

Loans

813-269-5414

Fax

813-287-0322

Monday - Thursday

  • Lobby: 9:00am - 4:00pm
  • Drive-Thru: 8:00am - 5:30pm

Friday

  • Lobby: 9:00am - 6:00pm
  • Drive-Thru: 8:00am - 6:00pm