First Citizens Bank

Checking

At First Citizens Bank, we understand the complexities and fast pace of your life. That's why we have developed a range of checking accounts that offers all the services you require, with a focus on ease of use and convenience. With minimal fees and hassles, we provide specialized checking accounts to help simplify your life. The opening of a checking account is subject to approval.

• Account Comparison Chart

  See all of our Checking accounts in a simple, easy to read chart to help you find the right one for your needs. Our accounts require low initial deposits. Plus, monthly service charges can be avoided on many of our checking accounts by maintaining a minimum or average daily account balance in your checking account or other related deposit account.

• Switch to First Citizens Bank

  We'll help you make the switch. To open your new First Citizens checking account, order your personalized checks and Visa^® Check Card, just click on our online Switch Kit and it will guide you through the six simple steps for switching.

• FreeMoney Bonus Program

  First Citizens offers a way to earn money and grow your savings just by using your check card. And it couldn't be simpler. Open a personal checking account and a FreeMoney Bonus Savings Account, then start using your check card. At the end of every month, we'll deposit free bonus dollars into your Bonus Savings Account - which you can access anytime.

• e.checking

  Choose e.checking from First Citizens - It is convenient, easy and perfect for your important daily banking needs.

• It Pays to Share

  A program that rewards you for encouraging your friends and family to bank with First Citizens. For every person you refer who opens a new qualified First Citizens checking account, we'll give you both $25. It's just our way of saying thank you for choosing First Citizens to help you meet your financial goals.

• Quest^SM and UltraQuest^SM

  Our premier banking packages paying interest rates on checking comparable to money market accounts. Both accounts are loaded with valuable features including free unlimited online bill pay.

• Checking for Military

  Customized packages of specially priced accounts and services, credit assistance and worldwide access for military personnel and their families.

• Additional Checking Accounts

  Whether you'd like a simple account or one that provides you with lots of useful features, First Citizens has a checking account to fit your lifestyle. Learn more about our additional checking accounts to find the one that best meets your needs

• Overdraft Protection

  Checkline Reserve^® provides protection from accidental overdraft by automatically transferring money into your checking account. Or, you can write yourself an instant loan — anywhere, anytime.

• Check Ordering

  Reorder your checks, quickly and easily—online.

• Visa^® Check Card

  Our goal is to make your life easier, which is why we offer the convenient Visa Check Card with no monthly fee. Accepted virtually everywhere credit cards are accepted, it allows you to immediately access funds in your account.