1. If a merchant authorizes a transaction for an amount greater than the available balance in the account at that time, the transaction will generally be declined. However, rare circumstances may result in the account being overdrawn from an ATM or debit card transaction, but you will not be charged an Overdraft Fee. An insufficient funds (NSF) fee may be assessed for a check or pre-authorized electronic (ACH) withdrawal rejected or returned due to insufficient funds. Refer to the Deposit Account Agreement and Disclosure of Products and Fees for complete details.
$0 monthly maintenance fee if the following requirement is met:
Account openings and credit are subject to Bank approval.
1. Service fees may be charged by the third party ATM operator or owner or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside of the United States, the fee will be 3% of the transaction amount