Money Market Savings
Get great rates and easy access to cash.
Benefits of Money Market Savings:
- Competitive interest rates
- Easy access to funds
- FDIC-insured up to $250,000 per depositor
- Unlimited withdrawals and transfers in person or at First Citizens ATMs1
- Free Visa Debit Card
- Free Digital Banking
- Free Mobile & Tablet Banking2 and Alerts
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. Balances under a certain level may incur monthly service charges.
2. 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.
Money Market Savings Interest Rates
| Balance Tiers | APY1 |
|---|---|
| $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 | 0.05% |
| $100,000 - $499,999 | 0.05% |
| $500,000+ | 0.05% |
Account openings and credit are subject to Bank approval.
1. APY (Annual Percentage Yield) is accurate as of April 19, 2018. 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.
$0 monthly service charge if $1,000 daily collected balance is maintained. Otherwise, a $10 monthly maintenance fee will apply as well as $0.30 per PIN-based transaction.
- $15 fee for each withdrawal/transfer exceeding the regulatory limit1, regardless of the account balance maintained.
Minimum opening deposit: $500
Account openings and credit are subject to Bank approval.
1. 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.
Great rates and easy access to cash
Call us to open an account
1.888.FC DIRECT
(1.888.323.4732)
Or, visit your local branch
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Questions?
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
