Your Family First

Manage your family's finances all in one place

Get the best we have to offer with family banking

An honest assessment

We'll review your finances and your insurance coverageD and provide competitive rate quotes from several thousand national and regional providers.

Banking, for families

Your complimentary Together Card accountD helps your family manage spending. The account can't be overdrawn.D

Help toward a home

You're eligible for $200 toward your closing costs on a First Citizens mortgage.D

Funds for education

We'll give you a $25 introductory credit if you open a new Coverdell Education Savings account.D

Account openings and credit are subject to bank approval.

For complete list of account details and fees, see our Personal Account Disclosures.

Perks are limited time offers and subject to change at any time.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Insurance products offered in California are offered by First Citizens Investor Services, Inc., d.b.a. FCIS Insurance Solutions, Agency #6001908.

Only applicable on a refinance or purchase of a primary home and excludes Money Saver Mortgages. Not applicable on construction loans.

Applies to Coverdell Education Savings accounts opened within 60 days of enrolling in Your Family First. The APY (annual percentage yield) on a Coverdell Education Savings account is 0.10% as of ${date-today} with a term of 12 to 17 months. Minimum opening deposit of $250 required per account to obtain the reward. A minimum balance of $1.00 required to obtain the stated APY. Fees may reduce the earnings of the account. Penalty may be imposed for early withdrawal. Account will be credited within 90 days of opening. Offers are for a limited time and subject to change at any time. Credit is limited to one per child. Consult your tax advisor for any tax implications.

No charge for paperless statements. $3 monthly fee for paper statements.

If a merchant authorizes a transaction for an amount greater than the available balance in the account at that time, the transaction will generally be declined. However, rare circumstances may result in the account being overdrawn from an ATM, debit card transaction, or First Citizens Bill Pay, but you will not be charged an Overdraft Fee. An insufficient funds (NSF) fee may be assessed for a check or pre-authorized electronic (ACH) withdrawal rejected or returned due to insufficient funds. Refer to our Deposit Account Agreement and Personal Account Disclosures for complete details.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.