Qualified referee must open a Bank at Work checking, Checking with Interest, Free Checking, Liberty Classic^SM or Liberty Advantage^SM Checking, Quest^SM or UltraQuest^® account in a First Citizens office on or before December 31, 2009. Referred individual must present a completed referral coupon at the time the account is opened. Account subject to standard opening balance requirements and account opening approvals. Minimum opening balance requirements are $50 for Free Checking, $100 for Checking With Interest, Liberty Classic, Liberty Advantage, Quest and UltraQuest, and $0 for Bank at Work. The account must remain open and in good standing for 30 days to qualify towards cash bonus.

Referer will earn a $25 cash bonus for each qualified referral up to five referrals (max of $125) within a calendar year.
Referee will earn a $25 cash bonus for opening a qualified referral account. Offer cannot be used in conjunction with any other ongoing offers.
The Bank will credit each cash bonus to referer's/referee's primary First Citizens checking account within twelve weeks of account opening.

Offer available for a limited time, and may be withdrawn by the Bank earlier than the stated expiration date without notice. Other restrictions and conditions apply. Account openings are subject to standard Bank approval.

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