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First Citizens Bank Review

If you are interested in the flexibility of digital banking but looking for a more structured and established option, First Citizens is an excellent choice! Established in 1897, First Citizens has grown to more than 500 branches across 19 states. Opening a free checking account online has never been easier.

For those enrolled in First Citizens free checking account and opt for paperless statements, no minimum balance is required. Open your account with as little as $50 and from there no maintenance fees or minimum balance is required.

 

 

Account Types and Features

First Citizens offers a full range of banking services. Like most traditional lending institutions, First Citizens likes customers to start relationship with by opening up a checking account. The First Citizens Free Checking is an extremely competitive product from a pricing perspective.

No Fee Checking Account

• No monthly fees when you enroll in paperless statements.
• No minimum balance.
• Open with as little as $50
• Free digital and mobile banking with alerts and bill pay.
• Deposit checks on your mobile for free.
• Free use of Zelle® to send and receive money to people you know.
• Use Digital Banking’s free Manage My Money feature to view First Citizens and non-First Citizens accounts in one place, plus you’ll have access to budgeting tools and more.
• No-fee channel access: Users can manage account digitally, but also at branch or ATM at no charge.
• Free debit card that users can add to their mobile device for Apple, Google or Samsung digital wallet access.
• Link Free Checking account to a First Citizens Savings or Checkline Reserve line of credit for Overdraft Protection. ($12 transfer fee each day an overdraft occurs.)

Paperless statements are required. Free Checking is only free if you sign up for electronic statements within 60 days of account opening.

If user do not sign up and receive paperless statements, the account will be converted automatically and without prior notice to the user to a Select Checking account and will be subject to the fees and charges applicable to a Select Checking account.

The applicable fees and charges will be debited from the account without further notice to the user and will appear on their account statement. If you overdraw your account, fees may apply. Refer to their Personal Account Disclosures for full details.

Online Savings

• No monthly fees
• No minimum balance
• Open with as little as $25
• Interest is compounded daily
• Two Free withdrawals or transfers per month. $3 for each thereafter.
• You can link your Online Savings to your First Citizens checking account for overdraft protection
• Free digital banking with mobile app so you can monitor your account
• No-fee channel access: You can access your account digitally, but also at branch or ATM at no charge.

Checking Accounts: Find The One That's Right For You

Free Checking

Features Description
Minimum Opening Deposit
$50.00
Monthly fee
$0 when you enroll in paperless statements
Overdraft Protection
Yes/Optional
Account Access
Online, Mobile App or Local Branch
Free Checking

Premier Checking

Features Description
Minimum Opening Deposit
$100
Monthly fee

Monthly fee of $0 if you meet just one of qualifiers, otherwise $18.

Set up ACH direct deposit transfers of at least $4,000 per month.

Open an Equity Line of at least $25,000.

Have a consumer loan with original loan amount of at least $10,000
Overdraft Protection
Yes/Optional
Account Access
Online, Mobile App or Local Branch

Prestige Checking

Features Description

Minimum Deposit
$100
Monthly fee

$25 monthly service charge. Can be waived when you meet any one of the below conditions:

Maintain a combined minimum daily balance of $25,000 in First Citizens deposit accounts.

Set up ACH Direct Deposits of at least $6,500 or more into your Prestige checking account.

Hold an Equity Line of at least $100,000.

Have a consumer loan with original loan amount of at least $25,000.
Overdraft Protection
Yes/Optional
Account Access
Online, Mobile App or Local Branch

Summary

First Citizens Bank offers a variety of no fee checking and savings accounts. These attractive options fit the needs of a diverse account holder. Enroll in paperless statements within 60 days of opening your account to keep your checking account fee-free. Additional options like over draft protection help prevent overdraft fees and help account holders stay on track.

Get Alerts – Securely keep track of your account activity with text and email alerts. Spot Spending Trends with the Manage My Money trends tool to visualize your spending habits. Link your debit card to digital wallets like Apple Pay and Samsung Pay or send money to friends and family with Zelle®.

Open a free checking account online now!

Sign up for Free Checking