Each item or transaction (other than non-PIN debit card transactions) which results in a debit or credit to the account is considered a separate "item," including each check, paper draft, deposit, item deposited, wire transfer, electronic withdrawal or transfer and PIN-based transaction.

First 500 items processed per statement period are free. Each item in excess of 500 per month is $0.50 per item. Items include all debits, credits and deposited items.

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 coin and currency processing up to $15,000 per statement period. Deposits in excess of $15,000 per month are subject to a fee of $0.20 per $100 deposited. Other account and transaction-related fees may apply.

Avoid the $50 monthly maintenance fee with an active merchant account or maintain an average daily ledger balance of $50,000 in Business Banking II.