Fire Debit Card

Show your unquestionable support for our local NC fire service with this Fire debit card and online checking account.

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Close up shot of NC fire engine displaying NC flag painted on the grill.

Earn

Get higher dividends with 20+ purchases per month

Faster

Access direct deposits up to 3 days early¹

Support

Civic donates half of merchant fees to NCSFA²

Debit card for NC fire service

Turn your pride and dedication into support for NC State Firefighters’ Association (NCSFA) programs — at no cost to you. First, open a Bonus Checking Account and select a Fire debit card. Then, each time you use the Fire debit card, Civic will donate 50% of its share of net merchant fees directly to NCSFA. We’ll help support essential programs such as firefighter training, health insurance, disability income, and more.

The Bonus Checking account gives you a lot. You’ll earn dividends, get access to direct deposits up to 3 days early, see financial tips, and get reimbursed ATM fees.³ Show up big for your NC fire service family with a Fire debit card.

Civic Fire Debit Card on graphic background.

Terms

Open an online Bonus Checking Account with $5
Fire debit card must be selected at account opening
Earn 0.50% APY⁴ with 20 debit card purchases

Features

Get financial wellness tools in the app
Access direct deposits up to 3 days early
Automatic donations to NCSFA, at no cost to you
Receive real-time spending, account alerts

Ready to open a Fire debit card?

Turn your pride into support for NCSFA

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Life is digital

So are these everyday financial tools

Graphic of bills that shows how easy it is to use bill pay.

Pay bills from anywhere or schedule them in the app

Civic provides ATM access any where in the world.

Get cash from any ATM with reimbursed fees

A Civic member reaching their financial goals with our helpful budgeting tool.

Make informed decisions from your spending data, credit score

Select Savings Account

The Select Savings Account helps you set savings goals.

Savings account earns deposit dividends of 0.90%¹
Use budget tools to set and meet savings goals
Withdraw money whenever, no fees
Use as overdraft protection² for a Civic Bonus Checking Account

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Woman checking her Money Market dividends on the Civic Credit Union mobile app.

Money Market Account

This Money Market Account helps you grow your balance faster than a traditional savings account. Access your money whenever — no restrictions.

Open a money market account with $250
Earn 2.00%when you maintain $250 balance or more
Access direct deposits up to 3 days early
Money Market Account can be used as overdraft transfer option

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You know that details matter (and you are in good company)

Here are a few FAQs

Are there overdraft fees?

Right from the start, we encourage you to designate one or more of your accounts as overdraft options. That way, if a charge cannot be covered – and there’s money available in a designated account - we’ll move what’s needed to cover the charge. This important overdraft protection step prevents an overdraft situation and eliminates any insufficient funds fees. So, when you select overdraft protection options, you can use a savings, money market, credit card, personal line of credit or another checking account. And you can combine options together

How does overdraft work?

If a charge comes through your account and your balance cannot support the charge, we can transfer exactly the amount that’s needed to cover the charge from your designated overdraft account. To set up this service, contact the Experience Center.

Does this account include checks?

Yes! We’ve got options when you want to go old-school. Your first box of standard Civic checks are complimentary. If you need checks, just let us know. We will get them ordered and sent to your address on file.

Do you charge an insufficient funds fee or NSF?

Yes. If there are no funds of any kind available, we will have to reject the transaction and charge your account a $15 fee. To avoid this, enroll your account in overdraft protection [*see the third and fourth question].

Can anyone get this type of account?

Yes, all you need to do is request this account. We’ll make sure a percentage of your spending goes back into the Fire service through our partnership with NCFSA. And, you will earn 0.50% APY when you make 20 transactions each month. It’s a true win, win.

Looking for other ways to support the NC Fire Service? Check out our You + Money blog post on 3 Easy Ways to Give Back.

Are there really no ATM fees?

Yes, that's right! Here's how it works: Anytime you get charged an ATM fee, we'll reimburse your account, up to $20 each month. Give us about two days, and you'll see the fee reimbursement show up in your account.

Is there an account minimum?

Yes, the same $25 you deposit when you open your new Select Savings Account is also the minimum amount required to maintain your account.

Can I have more than one debit card?

Each account owner gets their own debit card. That way, each person has the flexibility to use Civic the way they like. Want your card to go further? Link it to a digital wallet like Apple Pay^®, Samsung Pay^®, or Google Pay^®.

How do I get the bonus rate?

For each month that you use your card at least 20 times, we will pay you a dividend rate bonus. It's our way of saying thanks for being a member.

How can I access my savings?

If you have have a Civic savings account but not a Civic checking account, you can request an ATM card that allows you access to your funds. Contact the Experience Center to request an ATM card, at 844-772-4842.

The easiest way to access your savings and move your money is through the Civic app! You can use Zelle,® make external transfers from your Select Savings Account, and more.

How do I set up direct deposit?

Getting started with direct deposit can be as easy as providing your account number and the Civic routing number (053185723).

Many employers and government entities that provide direct deposit payments will have their own paperwork, so it is vital to check with them first. If there is no set form required by the paying entity and the requirement is only to submit your request in writing, then simply download and complete the Civic Direct Deposit Authorization Form.

Civic Direct Deposit Authorization Form

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Take your pride for NC fire service to the next level with a Fire debit card

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¹ Early access to direct deposit funds depends on the timing of the payer's submission of deposits. We generally post such deposits on the day they are received, which may be up to three days earlier than the payer's scheduled payment date.

² Civic donates 50% of its share of net merchant fees directly to programs sponsored by NCSFA.

³ Civic participates in select surcharge-free ATM networks. See the current list of locations. Other ATM networks may charge an ATM fee that Civic will reimburse, up to a total of $20 per month per debit/ATM card, beginning on the first day of the month and ending on the last day. If you are eligible for an ATM fee reimbursement, funds are typically released by Civic to your account within two business days, but timing may vary.

⁴APY = Annual Percentage Yield. Applies to member accounts incurring 20 debit card purchases per month, excluding ATM withdrawals and automatic account drafts. Purchases and/or transactions may take up to two business days from transaction date to post to the account. Upon qualifying, APY of 0.50% will be applied to your average daily account balance during the following month up to $10,000. Balances in excess of $10,000 will earn APY 0f 0.15%. Minimum opening deposit for the Civic Bonus Checking Account is $5. For members making less than 20 qualified purchases per month, APY is 0.15%. Rate is subject to change.