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 1% dividends 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.

Yes, that’s right! Here’s how it works. Anytime you get charged an ATM fee, we’ll reimburse your account. There are no limits either. Give us about two days, and you’ll see the fee rebate show up in your account. As a Civic member, you will never pay any ATM fees from anywhere at any time.

When you first open your account, there is a $5 requirement. Once the account has been opened, there are no minimums. So, if your active account falls below the initial $5 requirement, it’s completely okay [and there are no 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

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.

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.

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®, Google Pay® or Mastercard® Click to Pay.

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].

Wherever and whenever works for you! Check deposits can easily be made by using the Civic mobile app and the photo capture feature for remote deposits. This will quickly get your funds into your account.

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

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