Prestige Checking Account

The checking account that gives you the VIP treatment

Upgrade your banking experience with Prestige checking

Prestige checking offers exclusive benefits for customers with high checking account balances. Become a VIP banking customer and enjoy perks like competitive deposit rates, free checks and no banking fees.

Exclusive benefits

Enjoy free cashier's checks,D money orders and travelers checks.

Our best rates

Save on home equity lines, and earn more on CDs.

Superior convenience

Access your Prestige account online and use any ATM.D

Open a Prestige checking account with First Citizens , Opens in a new tab
Get access to preferred customer banking Open a Prestige checking account with First Citizens , Opens in a new tab

Prestige Banking Pricing
Get a Prestige checking account

Avoid the $25 monthly fee when you meet any one of these criteria.

  • $25,000 combined daily balance on any First Citizens deposit accountDD
  • At least $6,500 in monthly ACH direct deposits
  • EquityLine of at least $100,000
  • $25,000 or more for an original consumer loanD

Get a Visa Debit Card
Use your First Citizens debit card to make payments anywhere

Your Prestige checking account comes with a Visa® debit card, which you can use for a fast, touch-free, secure way to pay.

First Citizens Bank Prestige Debit Visa card
Explore Visa Debit Card Benefits
Explore Contactless Payments

Prestige Banking Benefits
Access everything we offer with a Prestige checking account

Open a Prestige account with less

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

Unlimited use of non-First Citizens ATMs

Use any ATMD that's convenient and get reimbursed.

Earn interest on your high-balance checking account

Get 0.05% APYD on your balance with a Prestige interest-earning checking account.

Get our best rate on your home equity

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

Benefit from overdraft protection

Choose the overdraft protectionD options that work best for your account.

Bank when you want

Enjoy free Digital Banking, bill pay and 24/7 mobile deposits.

Get alerts

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

Pay with your phone

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

Spot spending trends

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

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

Learn more about payments and transfers in Digital Banking

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

Learn more about payments and transfers in Digital Banking

Prestige Banking FAQ
People often ask us

Prestige checking is a high-balance checking account option offered by First Citizens. The Prestige bank account gives customers VIP-level benefits like competitive rates on home equity lines of credit, unlimited use of non-First Citizens ATMs and interest on checking accounts.

Those who qualify for Prestige checking meet the following criteria:

  • Are 18 years or older
  • Reside within a First Citizens operating area
  • Have a minimum opening deposit of $100

With a Prestige account, you get premium interest checking with competitive rates and unlimited access to any ATM. You can also enjoy preferred rates on home equity lines of credit and have access to account management tools to make the most of your account.

The minimum deposit to open and maintain a Prestige checking account is $100.

Yes. When you open a Prestige checking account, you also get a Visa® debit card—which you can use for a fast, touch-free, secure way to pay.

You can check your Prestige card balance through the Digital Banking app, at any First Citizens ATM or by using Manage My Money.

As long as you qualify for the fee waiver requirement by maintaining a high checking account balance as a VIP banking customer, there are no banking fees.

While all three types of accounts offer debit cards, overdraft protection and access to free online account management tools, there are some differences to note.

  • With a Primary checking account, there's no minimum balance or interest accrued and a $50 minimum opening deposit.
  • With a Premier checking account, you'll need to maintain a certain minimum balance to avoid fees. You also earn interest and get preferred rates on CDs and home equity lines of credit.
  • With a Prestige checking account, you can get preferred rates on home equity lines of credit and earn interest, but you'll also enjoy additional perks like free checks and no banking fees.

Yes. All bank deposit products, including Prestige checking accounts, are FDIC-insured.

Banking Insights
A few banking insights for your financial life

Banking

Choosing a bank that shares your values

The right bank for you is one you feel comfortable building a relationship with.
When researching a bank, it's important to consider both short-term and long-term goals.
Banking

3 tools for better money management

These checking account features can help you gain more control over your finances.
With digital banking, you can see where every dollar is going, understand your spending patterns and use this information to better manage your money.
Budgeting

Make a budget that helps you achieve financial goals

A budget gives you a realistic picture of your finances and helps you set future goals.
Once you've established a budget, the next challenge is sticking to it.

Account openings and credit are subject to bank approval.

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

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. 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.

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.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Limit of five per month.

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

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 3.00% of the transaction amount.

$25,000 combined daily balance in Together Card, Regular Savings, Online Savings, Tiered Money Market Savings, Premier Relationship Money Market Savings, CDs, IRAs or Investor Services Account.

Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value.  They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands and Services Offered: First Citizens Wealth® (FCW) is a registered trademark of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC and an Equal Housing Lender icon: sys-ehl, and First Citizens Delaware Trust Company.

For more information about FCIS, FCAM or SVBW and its investment professionals, visit FirstCitizens.com/Wealth/Disclosures.

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.

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.

With the exception of the Sure Advantage and Together Card products (which are ineligible for overdraft service), if the available funds in your account are insufficient to pay an item when presented, First Citizens Bank will make a decision on whether to pay the item or return it unpaid. When we pay an item for which there are insufficient funds, it results in an overdraft. The following overdraft fee structure applies to eligible Consumer accounts: First Citizens Bank will charge you $25 each time we pay an item resulting in an overdraft, up to our limit of three (3) overdraft charges per business day. We will not charge you for overdrafts caused by transactions of $5.00 or less, nor for items returned unpaid. You are obligated to repay overdrafts immediately. Consumers have the option to decline overdraft service. First Citizens Bank also offers overdraft protection programs. Please see our Deposit Account Agreement (PDF) 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.

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