Accelerate spending and saving by adding a Select Savings Account to your Fire Bonus Checking Account.
Spend to Support Essential Fire Service
Through our partnership with the North Carolina Fire Service Association (NCFSA), we donate a percentage of every purchase you make to support the essential work of fire service. Your donation helps pay for firefighter training, health insurance, disability income, and so much more.
Maximize your impact for others and simplify your finances. Your monthly spending can unlock 1% dividends* and you get direct deposits^ up to 3 days earlier. Plus, access ATMs anywhere#.
Use the Civic app or online banking to track your spending and make informed financial choices with financial wellness tools.
Get Started Earning
- Open a Fire Bonus Checking Account with $5
- Earn 1% dividends with 20 debit card purchases*
- Get a personal fire affinity debit card to showcase your commitment to the Fire Service
Accelerate Your Money
- Automatic donations based on percentage of purchases
- Receive direct deposits^ up to 3 days earlier
- Real-time spending, account alerts†, and financial wellness tips
- Support N.C. Fire and EMS with every purchase
- Deposit checks with a photo using the mobile‡ app
- Use ATMs worldwide with no fees#
You know that details matter. [And you are in good company.]
Here are a few frequently asked questions:
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.
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.
Terms & Conditions
* 1.00% APY 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. This bonus dividend rate is paid on balances up to $10,000. Balances in excess of $10,000 will earn dividends at the current available rate. Minimum opening deposit is $5. For members making less than 20 qualified purchases per month, dividend rate is 0.15%.
^ Early access to direct deposit funds depends on timing of payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 3 days earlier than the payer's scheduled payment date.
# Fees applicable to any ATM network will be charged to member account and then refunded to the same account by Civic within two business days. Rebated funds will be available for use following the credit union’s nightly batch processing.
† Standard message and data rates apply. Please check with your carrier for details.
‡ Data fees may apply. Please check with your service provider.