Premier Banking

Discover personalized financial planning that puts you first

Unlock the power of Premier banking from First Citizens

If you have around $100,000 in liquid assets and are ready to put your money to work, Premier banking can help. We empower clients to make more confident decisions with strategies designed to achieve both short-term objectives and long-term goals.

See why building relationships is in our DNA

Connect with a Premier banker
Premier Banking Benefits

Find services tailored to your unique needs

Retirement planning

Enjoy the retirement you deserve with Premier retirement services. Find resources to build a personalized plan, including estate planning.

Life event planning

We'll help you balance life, disability and long-term care coverage options that can protect your income, family or business from unexpected events.

Debt management

If you're borrowing for a new purchase or refinancing, we can connect you to preferred interest rates for mortgages, equity lines, credit cards and consumer loans.

Protection planning

Plan for the future of your business. We can help with leadership transitions, tax implications, asset protection and more.

Infographic depicting Premier relationship banking, which includes personal banking, risk management, retirement planning, protection planning and debt management

Premier relationship banking revolves around you

Premier banking was created to help you achieve your financial dreams. Our team of dedicated bankers offers personalized strategies tailored to your unique needs.

If you're planning for the future, managing assets, running a business or saving for major life events, we can help. We work with you on a one-on-one basis to apply our knowledge, training and unique understanding of market trends.

Ask us about individualized risk management, retirement planning, protection planning and debt management solutions.

Premier Banking Solutions

Discover benefits that go far beyond banking

As your Premier banker, we can connect you to solutions reserved especially for our clients.

  • Premier relationship money market savings accounts with tiered-rate benefits, higher ATM withdrawal limits and more
  • Preferred rates on select savings, CD and consumer loans with a Premier checking account
  • Custom lending solutions backed up by dedicated attention and guidance
Premier Banking FAQ

People often ask us

A Premier checking account is an interest-bearing account that allows you to earn interest on the money you deposit. It also offers better rates on CDs and home equity lines of credit, along with convenient features like free Digital Banking, bill pay and 24/7 mobile deposits.

The Premier checking account has a fee of $18 per month, but the fee is waived if one of the following requirements is fulfilled:

  • You receive ACH direct deposits totaling $4,000 or more
  • You maintain a combined daily balance of $5,000 or more on select accountsDD
  • You possess an EquityLine credit line of $25,000 or more
  • You hold a consumer loanD of an original amount of $10,000 or more

The best savings account for you depends on your savings goals. A First Citizens banker can help you choose which account is right for you based on your goals, how much you'd like to deposit and how you plan to use your account. Our personal savings accounts offer competitive interest rates and free Digital Banking, and some can even be used as overdraft protection for your First Citizens checking account. Whether you have $100 or $10,000 to save, we have an account that can help you reach your savings goals.

This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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.

Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value.  They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands and Services Offered: First Citizens Wealth™ (FCW) is a marketing brand of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender, and SVB, a division of First-Citizens Bank & Trust Company. icon: sys-ehl

For more information about FCIS, FCAM or SVBW and its investment professionals, click the links below:

FirstCitizens.com/Wealth/Disclosures

SVB.com/Private-Bank/Disclosures/Form-ADV

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.