Deposit Solutions

Personalized banking solutions to meet your financial goals

Enhanced services for unique banking needs

A dedicated private banker will work alongside you to leverage private checking, savings and money market accounts, as well as near- to medium-term investment options designed to help you seamlessly execute your personal financial plan.

A closer look at our deposit solutions

Address your private cash management needs with our robust suite of personalized solutions.

Checking & Savings

  • Immediate cash access for daily transactions and operations
  • Foreign currency service
  • FDIC insured up to standard limits

Digital Banking

  • Manage all your accounts in one place
  • Track spending and create budgets
  • Transfer money and make payments
  • Set up alerts to monitor transactions

Certificate of Deposit

  • Earn higher yields on excess cash
  • Plan for near- to medium-term needs, such as tax payments, capital calls and investments
  • Secure rates consistent with earnings and savings objectives

Money Market

  • Immediate cash access
  • Earn competitive yields on cash balances for near-term purchases, investments and more
  • Prepare for unplanned cash flow needs

Debit & ATM Cards

  • Real-time fraud monitoring and alerts
  • Enjoy higher purchase and ATM withdrawal limits
  • Unlimited use of non-First Citizens ATMs with no First Citizens fees

Other liquidity solutions

  • Address liquidity needs through a variety of near- to medium-term cash investments
  • Examples include treasuries and taxable and tax-exempt money market mutual funds
  • Not FDIC insured or guaranteed by the bank

Looking for more private banking services?

Insights

A few insights for your financial plan

Planning

Is Private Banking Right For You?

Here are some of the benefits you can expect if you choose a private bank for your financial needs.
The essence of a private bank is reflected in the quality and longevity of the relationships it forges over time.
Planning

Financial Literacy for Kids

Explore the benefits of teaching financial literacy to kids, along with challenges and fun activities to make learning easy.
When teaching your kids financial literacy, include them in your money conversations at different ages to help bring consistency to their own money journey.

Nerre Shuriah

JD, LLM, CEPA | Senior Director of Wealth Planning

Planning

How Do Women's Financial Needs Differ From Men's?

When it comes to financial security, it's important for women to fully understand what their financial hurdles may be⁠—and how to overcome them.
Women are their own best advocates in everything they do, and that includes having a better understanding of their financial situation.

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Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results. Asset allocation, dollar cost averaging and diversification do not guarantee a profit or protect against loss. There is no guarantee that a strategy will achieve its goal.

First Citizens Wealth Management is a registered trademark of First Citizens BancShares, Inc. First Citizens Wealth Management products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, Equal Housing Lender; First Citizens Investor Services, Inc., Member FINRA and SIPC, an SEC-registered broker-dealer and investment advisor; and First Citizens Asset Management, Inc., an SEC-registered investment advisor.

Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.

Bank deposit products are offered by First Citizens Bank, Member FDIC.

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