Personal Checking Accounts

The right checking account puts you in control

Free

Make life easy with our simplest personal checking account.

  • Monthly fee of $0 when you enroll in paperless statementsD
  • Minimum opening deposit of $50
  • Manage your account anywhere with any device

Premier

Get the upgrade with the personal checking account that pays you interest.

  • Monthly fee of $0 if you meet just one of our qualifiers,D otherwise $18
  • Minimum opening deposit of $100
  • Enjoy preferred ratesD on EquityLines and CDs

Prestige

Sign up for the VIP experience—an interest-bearing personal checking account with the best features.

  • Monthly fee of $0 if you meet just one of our qualifiers,D otherwise $25
  • Minimum opening deposit of $100
  • Get the best ratesD on EquityLines and CDs

Answer a few questions to find the right checking account

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Send money with Zelle®

Transfer funds to other accounts

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Payments & Transfers

Instantly move your money wherever you need it

Send money with Zelle®

Payments & Transfers

Instantly move your money wherever you need it

Transfer funds to other accounts

Proactive Protection

Take control of your finances

Prepare for the unexpected by linking your savings account to your checking for overdraft protection and to track your balances with alerts.
Military Banking

Meeting the needs of those who we serve

Our military accounts help you manage your financial life from anywhere your job takes you.
Security

The same secure banking you've come to rely on us for in person, online

Security Alerts

We'll automatically send you alerts if your account credentials change.

Card Freezes

Temporarily freeze or unfreeze your card if it's lost or stolen, or if you suspect fraud.

Advanced Security

Rest assured that all your confidential account information is protected.

Insured

Your money is insured by the Federal Deposit Insurance Corporation.

FAQ

People often ask us

Overdraft protection is an account management tool designed to help you cover a transaction when you don't have sufficient funds in your checking account. Eligible transactions may include checks, ATM withdrawals, debit card purchases, wires and electronic transfers. With overdraft protection, we'll cover a shortfall at our discretion so the transaction goes through successfully.

We offer multiple ways to protect your free checking account from overdrafts. Go beyond basic overdraft protection by linking to a savings account or opening a Checkline Reserve. Learn more about your options for overdraft protection coverage.

Yes. We use top-of-the-line security to protect your free checking account, including data encryption and multi-factor authentication. You can also set up alerts to monitor your account balances, transactions and settings in real time.

A free checking account lets you safely and easily deposit and withdraw money for everyday purchases. You can use personal checks or a debit card to spend your money, buy groceries and gas, pay bills, and get cash from ATMs.

Yes. Your free checking account comes with a Visa debit card that makes everyday spending simpler, safer and quicker than carrying cash or checks. You can request a debit card by logging into Digital Banking.

Insights

A few financial insights for your life

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Account openings and credit are subject to bank approval.

For complete list of account details and fees, see our Personal Account Disclosures.

Paperless statements are required. To be eligible for Free Checking, you must sign up to receive First Citizens paperless statements within 60 days of account opening. If you do not sign up and receive paperless 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. Refer to our Personal Account Disclosures for full details.

For current rates, please call or visit your local branch.

Avoid the $18 monthly fee when you meet any one of these criteria: $5,000 combined daily balance on select accounts (Premier Checking, Together Card, Regular Savings, Bonus Savings, Online Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account), at least $4,000 in monthly ACH direct deposits, EquityLine of at least $25,000, or $10,000+ original consumer loan (new or used auto, light or heavy truck, boat, aircraft, unsecured personal loan, or mortgage [excludes mortgages that First Citizens does not retain servicing]).

Avoid the $25 monthly fee when you meet any one of these criteria: $25,000 combined daily balance on any First Citizens deposit account (Prestige Checking, Together Card, Regular Savings, Bonus Savings, Online Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account), at least $6,500 in monthly ACH direct deposits, EquityLine of at least $100,000, $25,000+ original consumer loan (new or used auto, light or heavy truck, boat, aircraft, unsecured personal loan, or mortgage [excludes mortgages that First Citizens does not retain servicing]).

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.