Free Checking Account - No Minimum Balance | First Citizens Bank

Free Checking

A full-service checking account with no minimum balance requirements. Get started »

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Account openings are subject to Bank approval.

1. e.statements are required. To be eligible for Free Checking, you must sign up to receive First Citizens electronic statements within 60 days of account opening. If you do not sign up and receive electronic statements, your account will be converted automatically and without prior notice to you 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 your account without further notice to you and will appear on your account statement. If you overdraw your account, fees may apply.

2. The Together Card account is a standalone deposit account. There is no monthly service charge for this account for Premier and Prestige account holders and is $3 for Free and Select account holders. Otherwise, a $8 monthly service charge applies.

3. First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.

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