First-Citizens Bank & Trust CompanyChecking accountChecked Oct 10, 2026Updated
First-Citizens Bank & Primary Checking
$0monthly fee
- A year for an everyday customer
- $0 fees and interest, $2,000 kept
- To open
- $50 to open
- On our list
- #97 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
- To earn the APY
- sign up to receive First Citizens electronic statements within 60 days of account openingSource · checked Oct 10, 2026
Fees
- Monthly fee
- NoneSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Enroll in paperless statements within 60 days of opening your account to avoid a monthly maintenance fee.Source · checked Oct 10, 2026
- Minimum to open
- $50Source · 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
- $2.50Source · 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
- $3 a monthSource · checked Oct 10, 2026
- Early closure fee
- $35Source · checked Oct 10, 2026
- Cashier’s check
- $10Source · checked Oct 10, 2026
- Stop payment
- $35Source · checked Oct 10, 2026
- Card replacement
- $2Source · checked Oct 10, 2026
Features
Branch accessBudgeting toolsCheck writingContactless cardDebit cardMobile check depositMobile walletNo minimum balanceOnline 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.
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