Checking Accounts at a Glance

  Relationship
Checking
Senior Relationship
Checking
(For customers 50+)
High Yield
Checking
Student
Checking
Free Checking
Interest Earning Yes Yes Yes No No
Daily Balance Requirement $3,500 minimum daily balance in checking
OR
$10,000 combined deposits
OR
$10,000 HELOC
OR
$25,000 in qualifying loan balances
OR
First Citizens Securities Account

$500 minimum daily balance in checking
OR
$10,000 combined deposits
OR
$10,000 HELOC
OR
$25,000 in qualifying loan balances
OR
First Citizens Securities Account
$0
No minimum
balance
$0
No minimum
balance
$0
No minimum
balance
Monthly Maintenance Fee
If below daily balance requirement
$20 $6 $0 $0 $0
Additional Features
Mobile Banking,
Online Banking and Bill Pay
FREE

FREE

FREE FREE FREE
Visa® Debit Card FREE FREE FREE FREE FREE
Overdraft Protection
Line of Credit
Available with
no annual fee1
Available with
no annual fee1
Available2 Available2 Available2
Traveler's Checks No issuance fee
One-signature style
No issuance fee
One-signature style
     
Cashier's Checks or
Money Orders
No issuance fee
on up to three
per month
No issuance fee
on up to three
per month
     
Safe Deposit Box FREE Rental
on 3x5 box
$15 annual discount on
rental of any size box
     
Notary Services FREE FREE      
No First Citizens fee
for transactions
at other banks' ATMs3
3 per statement cycle     3 per cycle  
FREE Checks YES
Wallet Style
1 box per calendar year
YES
Wallet Style
1 box per calendar year
     
Statement Options FREE
electronic or
paper statements
with check images
FREE
electronic or
paper statements
with check images
Electronic statement
required
FREE
electronic
statement
(paper statement
fee applies)
FREE electronic or
paper statements

Any applicable fees are per statement cycle, per account.

1. Subject to approval.
2. Subject to approval. An annual fee may apply.
3. At an ATM not owned by First Citizens, you may be charged a fee by the ATM owner or operator.


Member FDIC | Equal Housing Lender

 
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