Prestige Checking Account

The checking account that gives you the VIP treatment


Get a Prestige checking 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

Access everything we offer with premium checking

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 0.05% APYD, on your balance with this premium checking 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 the right level of overdraft protection coverageD 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

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

Travel Rewards

A card that rewards you to travel

Do more with travel rewards. Earn more points, enjoy exclusive benefits and redeem for the trip of a lifetime.
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 normal 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 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, Equal Housing Lender; 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.

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.

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 $10 each time we pay an item resulting in 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, nor for items returned unpaid. You are obligated to pay overdrafts immediately. Consumers have the option to decline overdraft service. First Citizens Bank also offers overdraft protection programs, though none is 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.