Rescue and EMS Debit Card

This debit card for EMS and rescue workers helps raise funds for NCAR&EMS — at no cost to you.

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Paramedics taking patient on stretcher from ambulance to hospital.

Support

Use your debit card, we donate¹

Access

Add to your digital wallet, use at ATMs

Control

Manage spending, alerts in the Civic app²

Debit card for EMS and rescue

The first minutes of a health emergency are critical, and your work is essential. This debit card for EMS and rescue workers helps to raise funds for your profession — at no cost to you. It’s our way of giving back!

How does it work? Each time you use the debit card for EMS and rescue workers, merchant fees are generated. We donate half of our share of those fees to the NC Association of Rescue & EMS. Show your pride while we donate to NCAR&EMS for education, training, health, and more benefits for your critical profession.

Terms

Open a Civic Bonus Checking Account with $5 minimum deposit
Select NCAR&EMS as your custom card
Automatic donations to NCAR&EMS at no cost to you

Features

Easy activation in Civic app
Use with ATMs worldwide with fees reimbursed
Real-time spending, travel alerts
24/7 support for lost or stolen card

Ready to get it?

Show your first responder pride while we donate to NCAR&EMS at no cost to you.

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Life is digital

So are these everyday financial tools

Control your card in the mobile app graphic

Securely manage card activity with the app

Civic provides ATM access any where in the world.

Get cash from any ATM with reimbursed fees

Send and receive money - fast, safe, and easy

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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Used Auto Loan

Make your next used vehicle loan as affordable as possible with low rates, flexible payment options and up to 7 years to pay off the loan.

Flexible used vehicle financing up to 84 months (7 years)
Used auto loan rates as low as 8.25% APR¹
Easy loan application, fast approvals
No pre-payment penalties

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You know the 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].

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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Get the debit card that gives back for EMS and rescue first responders

Your work is essential to NC hometowns. Show your pride and get the debit card for EMS and rescue workers with an online checking account that helps to support NCAR&EMS programs.

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¹Civic donates 50% of its share of net merchant fees directly to programs sponsored by NCAR&EMS.

² Message and data rates may apply.