High Yield Checking

Earn premium interest, enjoy maximum convenience

If you use your Check Card frequently and enjoy the convenience of banking online, High Yield Checking may be right for you. You’ll enjoy these features:

  • No minimum balance requirement
  • Interest compounded daily (based on the average daily balance)1 with a tiered interest rate structure
  • Free Visa® debit card
  • Free Online Banking and Bill Pay
  • No monthly maintenance fee
  • Overdraft protection available (subject to approval)
  • Just $100 minimum deposit required to open the account

To earn premium interest during a monthly statement cycle:

  • Enroll in online banking and maintain an active status
  • Enroll in paperless e-statements® (and no longer receive your statement through the mail)
  • Make 12 or more purchases with your First Citizens debit card (ATM transactions do not apply)
  • Have one or more direct deposits into your account (electronic deposit of paycheck, social security, etc.)

All criteria above must be met each statement cycle in order for the premium interest rate and APY to be paid. Otherwise a lower interest rate and APY will be paid on the full balance.

1 The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

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