Prestige Checking

The checking account that gives you the VIP treatment

Pricing

Get a Prestige account for free

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+ original consumer loanD
Benefits

Access to everything we have to offer

Open 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

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

Get our best rate on your home equity

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

Get overdraft protection

Choose between overdraft protection coverage levels including Checkline Reserve.

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 your 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

Cash Back Credit Card

Cash back rules

Earn unlimited cash back and pay no annual fee with our Cash Back Rewards Visa credit card.
Together Card

Teach your teenager to manage money

Our Together Card is a safer alternative to a prepaid card.

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 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.

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.

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 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.

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.

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.