Personal Savings Account
Save for a rainy day or sunny vacation on your own terms
Preparing for wherever life takes you next
Go on vacation. Buy a new car. Plan your dream wedding. Whatever your personal goals are, a savings account from First Citizens can help you get there. We've been helping families save for generations, and we'd love to help you, too.
Online Savings Account
Our basic interest-bearing personal savings account gives you simple terms with convenient access.
Money Market Account
Our tiered-rate personal savings account helps you reach your savings goals faster.
Our range of flexible-term certificates of deposit let you earn a steady rate.
Find out what it'll take to reach your financial goals
Get more with your personal savings account
24/7 mobile deposits
Deposit checks anytime, anywhere without having to visit a branch or ATM. Simply use our mobile app to snap a photo of your check, and we'll take it from there.
A Visa® debit card
Get convenient access to your funds with a First Citizens Visa debit card. You can pay for purchases anywhere Visa is accepted worldwide.
Overdraft protection options
Choose the right level of overdraft protection coverage for your account. With multiple options to choose from, you're always in control.
A robust banking network to support you
Conveniently access your funds at over 500 local branches across 21 states, or use your Visa debit card fee free at one of our 590 ATMs.
Bank when you want
Enjoy free digital banking, bill pay and 24/7 mobile deposits.
Securely keep track of your account activity with text and email alerts.
Spot spending trends
Use the Manage My Money trends tool to visualize your spending habits.
Take control of your finances
Enjoy pay day without a trip to the bank
The same secure banking you've come to rely on us for in person
We'll automatically send you alerts if your account credentials change.
Temporarily freeze or unfreeze your card if it's lost or stolen, or if you suspect fraud.
Rest assured that all your confidential account information is protected.
Your money is insured by the Federal Deposit Insurance Corporation.
People often ask us
The best savings account for you depends on your savings goals. A First Citizens banker can help you choose which account is right for you based on your goals, how much you'd like to deposit and how you plan to use your account. Our personal savings accounts offer competitive interest rates and free Digital Banking, and some can even be used as overdraft protection for your First Citizens checking account. Whether you have $100 or $10,000 to save, we have an account that can help you reach your savings goals.
You can open a savings account digitally or by visiting a First Citizens branch. Online Savings and Money Market accounts can easily be opened on our website, and it only takes a few minutes to get started. Certificates of Deposit, or CDs, can only be opened by visiting a branch.
Yes. You can set up automatic deposits to any of our personal savings accounts. Learn more about direct deposits.
Yes. You can use your Visa debit card to make deposits, transfers and withdrawals up to the regulatory limit.
Interest is compounded daily and paid monthly. Interest rates on savings accounts may change daily.
It depends on the type of savings account you open. For example, Online Savings and CDs don't have a monthly fee. Other accounts, like Money Market, have monthly fees which can be waived if certain conditions are met, such as maintaining a minimum daily balance. Withdrawal fees also vary by account type and conditions. For a complete list of First Citizens savings account fees, see our Personal Account Disclosures.
Savings accounts and CDs differ in several important ways. CDs have a fixed interest rate and mature after a specific term such as 3 months or 1 year, with penalties for early withdrawal. With a savings account, you can withdraw funds any time without penalty, but the interest rate can change daily. Learn more about the differences between CDs and savings accounts.
A few financial insights for your life
Open an Account Today
Account openings and credit are subject to bank approval.
For complete list of account details and fees, see our Personal Account Disclosures.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.