Premier Checking Account

Get the checking account that pays you interest


Get interest-bearing checking for free

Avoid the $18 monthly fee when you meet any one of these criteria.

  • $5,000 combined daily balance on select accountsDD
  • At least $4,000 in monthly ACH direct deposits
  • Equity line of at least $25,000
  • $10,000+ original consumer loanD

Preferred rates and more benefits

Open with less

Put your money to work today with a $100 minimum opening deposit.

Earn interest

You'll earn 0.01% APYD,D on your account balance with this interest-bearing account.

Get a better rate on your home equity

Save with our preferred ratesD on home equity lines of credit.

Get overdraft protection

Choose the right level of overdraft protection coverageD for your account.

Get alerts

Securely keep track of your account activity with text and email alerts.

Spot spending trends

Use the Manage My Money trends tool to visualize your spending habits.

Pay with your phone

Link your debit card to digital wallets like Apple Pay® and Samsung Pay®.

Pay off debt

Analyze balances and interest rates to come up with a pay-off plan.

Automate your bills

Know your bills are paid through Digital Banking.

Manage wealth

See the full picture by tracking all your accounts, even from other financial institutions.

Not quite sure? Answer a few questions to find the right checking account for you.

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.
Home Improvement Loans

Fast access to funds for your remodel project

A quick and easy application process to remodel without using your home as collateral.

Account openings and credit are subject to bank approval.

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

Apple, the Apple logo and Apple Pay are trademarks of Apple, Inc., registered in the US and other countries.

Samsung and Samsung Pay are trademarks of Samsung Electronics, Ltd.

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

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.

$5,000 combined daily balance in 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.

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value.  They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results.

First Citizens Wealth Management is a registered trademark of First Citizens BancShares, Inc. First Citizens Wealth Management products and services are offered by First-Citizens Bank & Trust Company, Member FDIC; First Citizens Investor Services, Inc., Member FINRA and SIPC, an SEC-registered broker-dealer and investment advisor; and First Citizens Asset Management, Inc., an SEC-registered investment advisor.

Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.

New or used auto, light or heavy truck, boat, aircraft, unsecured personal loan, or mortgage (excludes mortgages that First Citizens Bank does not retain servicing).

APY (annual percentage yield) is accurate as of ${date-today}. After that time, the rate is variable and may change. Other account-related fees may apply. Fees could reduce the earnings on the account.

Minimum opening balance of $100 in new funds to First Citizens, maximum of $1,000,000, required to receive the advertised APY.

First Citizens Bank will charge you up to $36 each time we pay an overdraft, up to our limit of four (4) overdraft charges per business day. We will not charge you for overdrafts caused by transactions of $5.00 or less. You are obligated to pay overdrafts immediately. We pay overdrafts at our discretion. If we do not choose to pay your overdraft, the transaction will be declined. Consumers are responsible for the repayment of overdrafts and have the option to decline this service. Overdraft protection is not available on the Together Card. Please see our Deposit Account Agreement for additional details.

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.