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"UltraQuest" from First-Citizens Bank & Trust
The Basics
A $100.00 deposit is required to open this account.
The Monthly Service Fee of $25.00 can be waived by maintaining an combined average daily balance of $25,000.00 in all checking, savings, money market, CDs, IRAs and investor services accounts.
This is a interest-bearing checking account. The account earns 0.05% interest.
Debit Cards & Using ATMs
This account includes a ''Free Money' Rewards Program' puts money back into your account based on your debit card usage.
This rewards program offers cash back on signature-based debit card purchases over $25.00 when you have both a checking and a savings account. After the first year, you must make 10 non-PIN debit card purchases each month before you begin earning FreeMoney Rewards.
Non-affiliated ATM Usage Fee
$0.00
You are charged an International Transaction Fee of 1% of amount you withdraw.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Reminders that bills are coming due for payment;
- Notification that your eStatement is ready.
- Reminders that bills are coming due for payment;
- Notification that your eStatement is ready.
WEB Connect available for Quicken and MSMoney. View the previous 60 days of account activity.
Online Billpay
Free
You can access your transaction history directly through Quicken or MSMoney.
Checks & Statements
Unlimited Check Writing
Yes
Free personalized checks (any style) for the life of the account.
Monthly Paper Statements
Yes
Your first 140 check images per month are free. There is a $5 monthly fee for more than 140 check images per month.
(Note: Your FindABetterBank estimate annual fee assumes you will not be charged this fee.)
Electronic Statements
Yes
Images of canceled checks can be viewed online for 90 days.
Overdrawing the Account
The Insufficient Funds Fee is $25.00 for the first overdraft, $30.00 for the second, and $35.00 for each overdraft after that in a 12 month period.
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account:
- No Transfer Fee;
- Funds are transferred in fixed increments of $100.00.
- No Transfer Fee;
- Funds are transferred in fixed increments of $100.00.
From a linked Overdraft Line of Credit:
- No Transfer Fee;
- Funds are transferred in fixed increments of $100.00.
- No Transfer Fee;
- Funds are transferred in fixed increments of $100.00.
Savings and Money Market Accounts
'Regular Savings' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.10% at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.10% at $25,000.00
The account has a monthly service fee of $5.00. In addition, there is a $3.00 fee for each withdrawal after 2 per month unless you maintain a balance of $25,000.00 or more. This fee can be waived if you maintain a minimum balance of $300.00.
'Tiered Money Market Savings ' requires $500.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.60% at $25,000.00
- 0.10% at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.60% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $1,000.00.
How does First-Citizens Bank & Trust Compare?
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How We Get Our Information
We conduct our own research for the largest US banks and we audit the information provided by community banks and credit unions.
Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.
We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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