Online Savings

A simple, convenient online savings account

Benefits and Pricing

Easy access and low fees

Open with less

Open your account with a low minimum opening deposit of $25.

Earn interest

Earn 0.03% APYDD on your daily balance, compounded daily and credited monthly.

Easily access your money

Your first two withdrawals or transfers per month are free, then $3 each up to the regulatory limit.DD

Bank when you want

Enjoy free digital banking, bill pay and 24/7 mobile deposits.

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.

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

Auto Insurance

Protect all your vehicles

Find the right combination of coverage for your vehicle and its passengers.
Visa Gift Card

Give them the gift they can spend anywhere

Gift cards can be used for everyday purchases at millions of locations worldwide.

Account openings and credit are subject to bank approval.

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

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.

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).

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 $25 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.