A better way to manage family spending
Teach your teenager to manage their finances while you keep a watchful eye.
Transfer money to your college student while they're away from home.
Segment funds for entertainment, online shopping or holiday purchases.
Do more together
Funds when your family needs them
Add money to a reloadable debit card by transferring money from your other First Citizens accounts or making a deposit at a branch.
Set spending limits
You can't spend more than you have in the account so you'll never be charged an overdraft fee.D
Set up alerts and get real-time transaction notifications to your mobile phone, smart watch or email.
People often ask us
Yes. You can access funds that are shown as available in your account. Cash deposits made at an ATM or a branch or Digital Banking transfers from your other First Citizens Bank accounts are available immediately. Funds deposited from a check at an ATM, First Citizens branch or through Mobile Check Deposit are subject to the Funds Availability Policy (see our Digital Banking Agreement for more information).
The Together Card is a deposit account and debit card that's a safer alternative to a pre-paid card. You can access funds at ATMs, point of sale terminals and all First Citizens branches and, through Digital Banking, monitoring activity is easy. The Together Card can be used to help parents facilitate responsible spending by their children as well as for other purposes such as household budgeting.
No. There is no limit to the number of Together Card accounts that you can have.
If a merchant authorizes a transaction for an amount greater than the available balance in the account at that time, the transaction will generally be declined. However, rare circumstances may result in the account being overdrawn from an ATM, debit card transaction or First Citizens Bill Pay. If this occurs, your account may be overdrawn, but you won't be charged an overdraft fee. A deposit must be made immediately to bring the account current.
Account openings are subject to bank approval.
Together Card is a deposit account.
If a merchant authorizes a transaction for an amount greater than the available balance in the account at that time, the transaction will generally be declined. However, rare circumstances may result in the account being overdrawn from an ATM, debit card transaction, or First Citizens Bill Pay, but you will not be charged an Overdraft Fee. An insufficient funds (NSF) fee may be assessed for a check or pre-authorized electronic (ACH) withdrawal rejected or returned due to insufficient funds. Refer to our Deposit Account Agreement and Personal Account Disclosures for complete details.
For complete list of account details and fees, see our Personal Account Disclosures.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.