First-Citizens Bank & Trust CompanyChecking accountChecked Oct 10, 2026Updated
First-Citizens Bank & Prestige Checking
0.05%APY · as of Oct 10, 2026
- A year for an everyday customer
- −$299 fees and interest, $2,000 kept
- Monthly fee
- $25 a month
- To open
- $100 to open
- On our list
- #924 of 986 checking accounts, by a year’s value for an everyday customer
Visit First-Citizens Bank & Trust CompanyThe bank’s own page · checked Oct 10, 2026
Rate conditions
- Interest compounds
- Interest is compounded daily and will be credited to your account on a monthly basis.Source · checked Oct 10, 2026
Fees
- Monthly fee
- $25 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $25,000 combined daily balance on any First Citizens deposit account
- At least $6,500 in monthly ACH direct deposits
- EquityLine of at least $100,000
- $25,000 or more for an original consumer loan
- Minimum to open
- $100Source · checked Oct 10, 2026
- Overdraft fee
- $25Source · checked Oct 10, 2026
- Returned item (NSF) fee
- NoneSource · checked Oct 10, 2026
- Overdraft transfer fee
- NoneSource · checked Oct 10, 2026
- Most overdraft fees in a day
- 3Source · checked Oct 10, 2026
- Out-of-network ATM fee
- NoneSource · checked Oct 10, 2026
- International ATM fee
- $5Source · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 3%Source · checked Oct 10, 2026
- Incoming domestic wire
- $16Source · checked Oct 10, 2026
- Outgoing domestic wire
- $30Source · checked Oct 10, 2026
- Paper statements
- NoneSource · checked Oct 10, 2026
- Early closure fee
- $35Source · checked Oct 10, 2026
- Cashier’s check
- NoneSource · checked Oct 10, 2026
- Stop payment
- $35Source · checked Oct 10, 2026
- Card replacement
- $2Source · checked Oct 10, 2026
Who can open it
Features
ATM fee rebatesBill payBudgeting toolsCheck writingContactless cardDebit cardInterest bearingMobile check depositMobile walletOnline openingOverdraft protection transferSpending alertsZelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 2 items counted at typical fees