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

Refinancing

Looking to refinance your mortgage?

Whether you want to lower your interest rate, change terms or consolidate debt, we can help.
Military Banking

Meeting the needs of those who 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

You can find your routing number by selecting the state you opened your account. Routing numbers are often referred to as check routing numbers, ABA numbers or routing transit numbers (RTN).

You can also find your routing and account numbers on checks or in Digital Banking.

On checks

Your routing number is listed as the first sequence of numbers at the bottom left corner of your personal checks—typically a 9-digit number. If you have a business account, the routing number will follow the 6-digit check number at the bottom of your checks.

Your account number is listed as the second sequence of numbers at the bottom left corner of your personal or business checks—typically a 12-digit number.

In Digital Banking

Your routing and account numbers can be viewed online in Digital Banking. Select the account you want to see, then look for the details tab and select View Routing and Account Numbers.

There are several ways to stop payment on a check, each with an associated fee. If you'd like to save money, try one of the two options below that have a lower stop-payment fee.

If neither option above is convenient, you can also stop payment on a check by calling the Customer Care Center at 888-FC DIRECT (888-323-4732) and speak with a banking representative or by visiting your local branch.

Specific fee information is found in the Disclosure of Products and Fees for Checking and Savings Accounts.

The disclosure of products and fees provides a complete list of prices and fees for First Citizens personal checking and savings accounts.

If you're running low on checks, we've got you covered. Whether you need checks or accessories for your personal accounts, we offer a quick and simple online ordering process through our supplier, Harland Clarke.

  1. Go to Harland Clarke - Check Ordering
  2. Log in with your routing or transit number and the account number from your checking account. Don't know where to find these numbers? Don't worry, an example check is available for clarification.
  3. Choose the checks and accessories you want to purchase.

If your name or address has changed, or you haven't ordered checks in the past, please call us or visit your local branch to update your information or place your first order.

Reorder checks quickly and easily:

  • Online using our secure Digital Banking
  • Through our Customer Care Center
  • At your First Citizens branch

Yes. Your available balance immediately reflects your ATM and debit card deductions. However, they won't appear in your transaction history until the next business day's postings.

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.