Checking Accounts

Compare Personal Checking Accounts to see which one is right for you
  We Recommend Free Checking We Recommend Select Checking We Recommend Premier Checking We Recommend Prestige Checking We Recommend Premier Checking
Account type Free
Checking
Select
Checking
Premier
Checking
Prestige
Checking
Premier
Executive
Checking
Account type
Best if you want No Minimum balance Options to waive monthly fees Interest bearing account Preferred rates and more benefits A broad selection of exclusive benefits
Monthly service charge $0 Enroll in paperless statements within 60 days of account opening to avoid getting switched to a fee-based checking account1 $0 if you meet a qualifier or $12 $0 if you meet a qualifier or $18 $0 if you meet a qualifier or $25 $0 if you meet a qualifier or $50
Minimum opening deposit $50 $50 $100 $100 $100
First Citizens Together Card® account2 Yes for only a $3 per month2 Yes for only a $3 per month2 Yes provided Complimentary Yes providedComplimentary Yes providedComplimentary
Interest bearing account3 Not Available Not Available Yes Yes Yes account earns
Tiered interest
Preferred rates on EquityLines and select CDs3 Not Available Not Available Yes Yes Yes
Free Checks Not Available Not Available Yes for your 1st order Yes with Unlimited exclusive design Yes with Unlimited exclusive design
Your Family First® package Not Available Not Available Yes Yes Not Available
Higher purchase and ATM limits on Visa Debit Card Not Available Not Available Not Available Yes Yes
No overdraft transfer fees4 Not Available Not Available Not Available Yes Yes
Unlimited use of non-First Citizens ATMs5 With surcharge refund
Free external transfers using Digital Banking* Not Available Not Available Not Available Not Available Yes
Free stop payments Not Available Not Available Not Available Not Available Yes
Free incoming wire transfers Not Available Not Available Not Available Not Available Yes
Account type

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.

After each selection, another question may be displayed to help determine which account is right for you. There will be a minimum of two questions and a maximum of four.
What matters most to you in a checking account?

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.