Checking Accounts

Overview

All accounts include:

Compare Accounts

We Recommend We Recommend We Recommend We Recommend
Account type Free
Checking
Select
Checking
Premier
Checking
Prestige
Checking
Best if you want A full-service checking account with no minimum balance requirements More options to waive monthly fees Interest on your account and relationship benefits Preferred rates and our highest level of benefits
Monthly service charge $0e.statements are required to avoid conversion to a fee-based checking account.1 $0 if requirements are met, otherwise $8 $0 if requirements are met, otherwise $16 $0 if requirements are met, otherwise $20
Minimum opening deposit $50 $50 $100 $100
Free Visa Debit Card
Free Online Banking
Free Bill Pay
Free Mobile Banking2 and alerts
Overdraft protection available
Account earns interest3
Complimentary Your Family First® package enrollment, optional
Option to open a First Citizens Together Card® account4 to help manage spending ""$3 monthly maintenance fee4 ""$3 monthly maintenance fee4 ""Complimentary ""Complimentary
No First Citizens fee for using out-of-network ATMs5 5 per month Unlimited
Preferred rates on EquityLines
Preferred rates on select CDs3
Free checks 1st order Unlimited exclusive design
Free traveler's checks, cashier's checks6 and money orders
Higher purchase and ATM limits on Visa Debit Card  
No fee for Overdraft Protection Transfers  
Free 3" x 5" safe deposit box (subject to availability)  
Select Checking

$0 monthly service charge if ONE of the following requirements is met:

  • $1,500 average daily balance
  • ACH Direct Deposits totaling $250 or more into your Select Checking account

Otherwise, an $8 monthly service charge


Minimum opening deposit: $50

Premier Checking

$0 monthly service charge if ONE of the following requirements is met:

  • $5,000 combined daily balance in Premier Checking, Together Card, Regular Savings, Bonus Savings, e.savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account1
  • ACH Direct Deposits totaling $4,000 or more into your Premier checking account
  • An EquityLine of at least $25,000
  • A Home EquityLoan

Otherwise, a $16 monthly service charge


Minimum opening deposit: $100

Prestige Checking

$0 monthly service charge if ONE of the following requirements is met:

  • $25,000 combined daily balance in Prestige Checking, Together Card, Regular Savings, Bonus Savings, e.savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account1
  • ACH Direct Deposits totaling $6,500 or more into your Prestige checking account
  • An EquityLine of at least $100,000
  • A Home EquityLoan

Otherwise, a $20 monthly service charge


Minimum opening deposit: $100

Get a Recommendation

All accounts include:

Let us help you find the Checking Account that is right for you.

Simply answer a few questions below and we will provide our recommendation.

What matters most to you in a checking account?

How much money do you expect to maintain in all of your deposit accounts with First Citizens?

Do you have any monthly direct deposits?

What is your total monthly direct deposit?

We Recommend...


Free Checking


Free checking that comes with many great features to help you bank on your terms. Get all the features you need to manage your money securely and efficiently — without the fees.

Benefits of Free Checking:

  • No monthly fees and no minimum balance requirement
  • Get a Together Card® account2 for only $3 per month
  • Optional Overdraft Protection
  • $50 initial deposit

We Recommend...


Select Checking


Get an account that offers everything you need with extra features for flexibility and convenience.

Benefits of Select Checking:

  • Free e.statements or choose paper statements
  • Get a Together Card® account1 for only $3 per month
  • Optional Overdraft Protection
  • No monthly service charges if you make a monthly direct deposit or maintain the average minimum balance

We Recommend...


Premier Checking


Get an account that lets you earn interest on your balance and provides you with features to help streamline your finances.

Benefits of Premier Checking:

  • Earn interest on your checking balance
  • Preferred rates on EquityLines and select CDs
  • Option to enroll in complimentary Your Family First® financial program
  • Open a complimentary Together Card® account
  • Five free non-First Citizens ATM uses per month1
  • Free cashier’s checks2, money orders and traveler’s checks

Account openings and credit are subject to Bank approval.

We Recommend...


Prestige Checking


You deserve an account with the best rates and benefits. Prestige Checking offers a range of premium features to help you make the most of your money.

Benefits of Free Checking:

  • Earn interest on your checking balance
  • Preferred rates on EquityLines and select CDs
  • Option to enroll in complimentary Your Family First® financial program
  • Open a complimentary Together Card® account
  • Unlimited use of non-First Citizens ATMs1
  • Free cashier's checks2, money orders and traveler’s checks
  • No overdraft protection transfer fee
  • Free 3" x 5" safe deposit box (subject to availability)
  • Unlimited, free specially designed checks

Account openings and credit are subject to Bank approval.

Questions?

Email us

Or call

1.888.FC DIRECT (1.888.323.4732)

Learn more about Online Banking

Secure account access to keep your finances streamlined and organized

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Get the Mobile Banking app

Make deposits, pay bills, transfer funds and manage your account on the go

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