Money Market Savings Account
Safely grow your funds with easy access.
OPEN a Money Market Savings Account NOW
Benefits of a Money Market Savings account
- Competitive tiered interests rates
- Easy access to funds
- FDIC insured up to $250,000
- Unlimited withdrawals and transfers in-person or at First Citizens ATMs
- A Visa® debit card to make withdrawals
- Access to your account with digital, mobile and tablet banking, including alerts1
Pricing and More
Pricing:
- Minimum opening deposit of $500.
- $10 maintenance fee and $0.30 per PIN-based transaction is waived if you maintain a daily collected balance of $1,000.
- There’s a $15 fee for each withdrawal and transfer over the regulatory limit (regardless of the account balance).
| Balance Tiers | APY2 |
|---|---|
| $0 - $999 | 0.05% |
| $1,000 - $9,999 | 0.05% |
| $10,000 - $24,999 | 0.05% |
| $25,000 - $49,999 | 0.05% |
| $50,000 - $99,999 | 0.10% |
| $100,000 - $499,999 | 0.15% |
| $500,000+ | 0.20% |
Rates may vary depending on your area. Contact your local branch for details.
Apply online for a Money Market Savings account
You may also be interested in
- Saving for your long-term goals with a CD
- Finding a checking account that best suits you
- Earning cash back and other rewards with our credit card
Account openings and credit are subject to Bank approval.
Federal regulations limit (i) third party transactions (e.g., checks, drafts and debit card purchases); (ii) pre-authorized or automated transfers (including ACH and overdraft protection transfers); (iii) transfers made by personal computer (including online banking or bill payment services); and (iv) telephone transfers (including facsimile or data transmission) from your account to six per month. You may make unlimited withdrawals or transfers in person, by mail, or through an ATM. There is a per item charge, which is disclosed under each account type, for transfers or withdrawals over certain limits. Continued third party transactions or preauthorized transfers, over the regulatory limit, will result in the money market account or savings account being closed or converted to a checking account.
1. First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.
2. APY (Annual Percentage Yield) is accurate as of May 29, 2019. After that time, the rate is variable and may change. Minimum opening balance of $500 in new funds to First Citizens, maximum of $1,000,000, required to receive the advertised APY. Other account-related fees may apply. Fees could reduce the earnings on the account.
Additional Information
Questions?
Email us
Or call
1.888.FC DIRECT (1.888.323.4732)
Learn more about Digital Banking
Secure account access to keep your finances streamlined and organized
Get the Mobile & Tablet Banking app
Make deposits, pay bills, transfer funds and manage your account on the go
