Money Market

The savings account that helps you earn more, faster

Higher Interest Rates

Earn anywhere from 0.01% to 0.03% APYDD based on your balance.

Easy Access

Unlimited withdrawals and transfers in-person or at First Citizens ATMs.DD

Bank When You Want

Enjoy free Digital Banking,D bill pay and 24/7 mobile deposits.

Benefits and Pricing

Higher rates and easy access

Earn more

Earn up to 0.03% APYDD depending on your balance.

Forget the fees

Maintain a $1,000 daily balance to avoid a $10 maintenance fee.D

Easily open

Open your account online with a minimum opening deposit of $500.

Get alerts

Securely keep track of your account activity with text and email alerts.

Spot spending trends

Use the Manage My Money trends tool to visualize your spending habits.

Manage your wealth

See the full picture by tracking all your accounts, even from other financial institutions.

Interest Rates

Balance Tiers



$0 to $999


$1,000 to $9,999


$10,000 to $24,999


$25,000 to $49,999


$50,000 to $99,999


$100,000 to $499,999




Rates may vary depending on your area. Contact your local branch for details.

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Send money with Zelle®

Transfer funds to other accounts

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Payments & Transfers

Instantly move your money wherever you need it

Send money with Zelle®

Payments & Transfers

Instantly move your money wherever you need it

Transfer funds to other accounts

Cash Back Credit Card

Cash back rules

Earn unlimited cash back and pay no annual fee with our Cash Back Rewards Visa credit card.
Free Checking

Keep banking simple with free checking

Enjoy the freedom of no monthly maintenance fee when you enroll in paperless statements.

Account openings and credit are subject to bank approval.

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

APY (annual percentage yield) is accurate as of ${date-today}. After that time, the rate is variable and may change. Other account-related fees may apply. Fees could reduce the earnings on the account.

There’s a $15 fee for each withdrawal and transfer over the regulatory limit (regardless of the account balance).

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.

The $10 maintenance fee and $0.30 per PIN-based transaction is waived if you maintain a daily collected balance of $1,000. 

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 pre-authorized transfers, over the regulatory limit, will result in the money market account or savings account being closed or converted to a checking account.

Minimum opening balance of $500 in new funds to First Citizens, maximum of $1,000,000, required to receive the advertised APY.

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.