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 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.

  • No minimum balance
  • Competitive rates compounded daily
  • Minimum opening deposit of $50

Money Market Account

Our tiered-rate personal savings account helps you reach your savings goals faster.

  • Competitive tiered interest rates
  • Unlimited withdrawals and transfers in person or at First Citizens ATMs
  • Minimum opening deposit of $500


Our range of flexible-term certificates of deposit let you earn a steady rate.

  • Higher interest rates
  • No monthly service fee
  • Minimum opening deposit of $500

Find out what it'll take to reach your financial goals

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

Auto Loans

Make that dream road trip a reality

Explore our auto loan options to get the keys in your hands and hit the open road.
Proactive Protection

Take control of your finances

Prepare for the unexpected by linking your savings account to your checking for overdraft protection and to track your balances with alerts.

The same secure banking you've come to rely on us for in person

Security Alerts

We'll automatically send you alerts if your account credentials change.

Card Freezes

Temporarily freeze or unfreeze your card if it's lost or stolen, or if you suspect fraud.

Advanced Security

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

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Account openings and credit are subject to bank approval.

For complete list of account details and fees, see our Personal Account Disclosures.

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