Dedicated to Deposits: Deals, Data, and Discussion

4.00% Checking Account With No Debit Card Requirements at First Citizens Bank of Georgia - Local Deal


First Citizens Bank of Georgia is offering 4.00% APY on its Interest Checking Account. The 4% applies to balances of $50K and above. The APY is 3% for up to $10K, 3.25% for $10K to $25K and 3.50% for $25K to $50K. These rates are listed at the bank's rate table as of 3/01/09. The table makes it look that these rates should be valid until 3/31/09. A reader also reported being told by the bank that the rates will not change until 4/1/09. I have no idea if the rate will remain competitive after that.

A reader reported receiving an email informing him that this account is only for local residents. Branches are located in Dawsonville and Cumming, Georgia.

It's a new bank that was established in 2007. Consequently, BauerFinancial doesn't have a rating for the bank (it's labeled as a Start-up). gives the bank 3 stars (performing) based on 9/30/08 financial data. The bank is a member FDIC (FDIC Certificate # 58421).

Thanks to the readers who mentioned and reviewed this account in the Daily News & Deals post.

  Tags: Georgia, checking account, Foothills Community Bank (GA)

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Comment #1 by Anonymous posted on
I am coming to Cumming, Georgia, to get that 4%!