Compare Checking Accounts

Paperless statements are required. To be eligible for Free Checking, you must sign up to receive First Citizens paperless statements within 60 days of account opening. If you do not sign up and receive paperless statements, your account will be converted automatically and without prior notice to you to a Select Checking account and will be subject to the fees and charges applicable to a Select Checking account. The applicable fees and charges will be debited from your account without further notice to you and will appear on your account statement. If you overdraw your account, fees may apply. Refer to our Personal Account Disclosures for full details.

No transfer fees when linked to Savings Overdraft Protection or Checkline Reserve.

Service fees may be charged by the third-party ATM operator or owner, or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside of the United States, the fee will be 3.00% of the transaction amount.

Free checks are available for Premier checking on the first order and Prestige checking for unlimited exclusive designs.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. 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.

Avoid the $18 monthly fee when you meet any one of these criteria: $5,000 combined daily balance on select accounts (Premier Checking, Together Card, Regular Savings, Bonus Savings, Online Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account), at least $4,000 in monthly ACH direct deposits, EquityLine of at least $25,000, or $10,000+ original consumer loan (new or used auto, light or heavy truck, boat, aircraft, unsecured personal loan, or mortgage [excludes mortgages that First Citizens does not retain servicing]).

Avoid the $25 monthly fee when you meet any one of these criteria: $25,000 combined daily balance on any First Citizens deposit account (Prestige Checking, Together Card, Regular Savings, Bonus Savings, Online Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account), at least $6,500 in monthly ACH direct deposits, EquityLine of at least $100,000, $25,000+ original consumer loan (new or used auto, light or heavy truck, boat, aircraft, unsecured personal loan, or mortgage [excludes mortgages that First Citizens does not retain servicing]).

For current rates, please call or visit your local branch.

The Together Card account is a standalone deposit account. There is no monthly service charge for this account for Prestige, Premier and Premier Executive account holders, and is $3 for Free checking account holders. Otherwise, an $8 monthly service charge applies.