Minimum Opening Deposit
A $100.00 deposit is required to open this account.
$100.00
Monthly Service Fee
First Citizens will waive the Monthly Service Fee of $18.00- Maintain a combined daily balance of $5,000.00 or more in your checking, savings, money market savings, CDs, IRAs, or First Citizens Investor Services.OR- Have Direct Deposits totaling $4,000 or more.OR -An EquityLine of at least $25,000.00 OR - A consumer loan with original loan amount of $10,000.00 or more
$18.00
Annual Percentage Yield (APY)
This is a interest-bearing checking account. The account earns 0.05% interest.
0.01%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Non-affiliated ATM Usage Fee
There is a $2.50 fee each time you use a non-affiliated ATM
$2.50/per use
International ATM Usage Fee
There is a $5.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3.00% of the total amount withdrawn.
$5.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, locate ATMs;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
Free thru Zelle
Free
Email Alerts
This Email Alert feature enables you to receive:- Reminders that bills are coming due for payment;- Warnings when your balances goes above or below an amount you specify;- Notice when large transactions occur;- Notification that your eStatement is ready.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
For accounts opened in NC or TN, there is a $0.40 fee for each check you write.
Yes
Free or Discounted Checks
The first order of premium checks is free for all new account holders.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
There is a $3.00 fee to receive printed check images with your monthly statement.
$3.00/month
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Returned Item Fee
$36.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $12.00. The transfer fee is charged per day;- Funds are transferred in fixed increments of $100.00.From a linked Overdraft Line of Credit:- Transfer fee of $12.00. The transfer fee is charged per day;- Funds are transferred in fixed increments of $100.00.