¹ You may make unlimited withdrawals by mail or in person at any First Citizens Branch. No more than a total of 6 transfers and withdrawals may be made during a monthly statement cycle, from one account to another account you have with us, by means of a pre-authorized, automatic or telephonic transfer or electronic transmission (including transfers initiated online). A maximum of 3 of the 6 allowable transfers/withdrawals may be made by check or draft payable to a third party. Payments, withdrawals or transfers to pay First Citizens Bank loan or credit card payments are allowed and not restricted.

Repeated violations of the federally set limit may result in either closure of the account or conversion of the account to a checking account and the bank reserves the right to prevent transfers which exceed the limits stated above. Fees may apply per item in excess of the federally allowed limit.