First-Citizens Bank & Trust CompanyChecking accountChecked Oct 10, 2026Updated Oct 10, 2026

First-Citizens Bank & Select Checking

$12monthly fee

A year for an everyday customer: $0 fees and interest, $2,000 kept
To open: $50 to open
On our list: #145 of 986 checking accounts, by a year’s value for an everyday customer

Fees

Monthly fee: $12 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
maintain an average daily balance of $1,500 or more
receive ACH Direct Deposits totaling $250 or more
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

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees