First Citizens Digital Banking Fee Schedule
What you need to know about service charges
Fees may vary based on your account type or relationship to reflect waivers or reimbursements for certain services.
Online and Mobile Account Access
Service |
Fee |
|---|---|
Digital Banking (accessed through FirstCitizens.com or the mobile banking app) |
No Charge |
Transfers
Service |
Fee |
|---|---|
Internal funds transfers (within bank) |
No Charge |
External fund transfers (bank to bank)D |
No Charge |
Incoming external transfers (bank to bank)D |
No Charge |
Person-to-person transfers (Send money with Zelle®)DD |
No Charge |
Bill Pay
Bill pay fees listed below may vary depending on your account plan and relationship.
Service |
Fee |
|---|---|
Unlimited bill payments using this service |
No Charge |
Next-day rush bill payments (next business day)D |
$34.95 |
Two-day rush bill payments (second business day)D |
$29.95 |
Gift paymentsD |
$2.99 |
Charitable donation paymentsD |
$1.99 |
Express mail notification, per letter |
$15.00 |
Payment cancellation before disbursement, per request |
$7.50 |
Payee-returned ACH payment due to customer error |
$10.00 |
Payee-returned check payment due to customer error |
$5.00 |
Proof of payment for bill payment not in dispute |
$10.00 |
Research from offline files ($25.00 minimum) |
$25.00/hour |
Business Services
Service |
Fee |
|---|---|
Digital Banking access: Multiple user fee over 2 (per month flat fee) with a direct deposit accountD |
$7.50 |
Digital Banking access: Multiple users (in addition to primary user, per month) with a business credit card or business loan onlyD |
No Charge |
Mobile deposit (first 10 checks per month free; thereafter, each check)D |
$0.50 |
Zelle® for business incoming credit transactions (each)D |
$2.00 |
Positive Pay Service
Service |
Fee |
|---|---|
Contact Treasury Management ServicesD |
Price Varies |
ACH (Automated Clearing House) Monitor Service (per month)
Service |
Fee |
|---|---|
Contact Treasury Management ServicesD |
Price Varies |
Wire Transfer Services
Service |
Fee |
|---|---|
Domestic wire transfer base module (per month)D |
$20.00 |
Domestic wire transfer (per outgoing transfer)D |
$20.00 |
International wire transfer base module (per month)D |
$20.00 |
International wire origination for FX (each)D |
No Charge |
International wire origination for USD (each)D |
$45.00 |
Note: For international wire origination for FX and USD, payments are sent as BEN. An additional $10 fee will be applied when a request is made to send as OUR.
ACH Services
Service |
Fee |
|---|---|
ACH batch/payroll module (per month, includes 20 ACH transactions)D |
$20.00 |
ACH batch/payroll transactions (over 20, each)D |
$1.50 |
ACH collections module (per month, includes 20 ACH transactions)D |
$20.00 |
ACH collections transactions (over 20, each)D |
$1.50 |
ACH batch/payroll and ACH collections module (per month, includes 30 ACH transactions)D |
$30.00 |
ACH batch/payroll and ACH collections transactions (over 30, each)D |
$1.50 |
Federal/state tax payments (each)D |
$3.00 |
ACH single payments/external transfers (no monthly fee, each)D |
$3.00 |
Same-day ACH transactions (each, charged separately)D |
$1.00 |
Quicken® and QuickBooks® (via Web Connect)
Access via Web ConnectD requires enrollment in First Citizens Digital Banking or Commercial Advantage.
Service |
Fee |
|---|---|
Digital Banking through QuickBooksD software |
No Charge |
Digital Banking through QuickenD software |
No Charge |
Quicken and QuickBooks
Service |
Fee |
|---|---|
Digital Banking through QuickBooks software (8 sessions per month) |
$11.95/month |
Digital Banking through Quicken software (8 sessions per month) |
$5.95/month |
Digital Banking and Bill Pay through QuickBooks software (8 sessions plus 15 bill payments per month using the service) |
$17.95/month |
Digital Banking and Bill Pay through Quicken software (8 sessions plus 15 bill payments per month using the service) |
$13.95/month |
Additional sessions using QuickBooks software |
$0.75 each |
Additional sessions using Quicken software |
$0.50 each |
Bill payments in excess of 15 per month through QuickBooks software |
$0.75 each |
Bill payments in excess of 15 per month through Quicken software |
$0.50 each |
Surcharge for use of business account with Quicken |
$4.95/month |
