First-Citizens Bank & Trust CompanyMoney market accountChecked Oct 10, 2026Updated
First-Citizens Bank & Money Market Account
0.00%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $0 after fees
- Monthly fee
- $10 a month
- To open
- $500 to open
- On our list
- #94 of 152 money market accounts, by a year’s value on $10,000
Visit First-Citizens Bank & Trust CompanyThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.00% | $0 |
| $5,000 | 0.00% | $0 |
| $10,000 | 0.00% | $0 |
| $25,000 | 0.00% | $0 |
| $50,000 | 0.00% | $0 |
| $100,000 | 0.00% | $0 |
Rates by balance
| Balance | APY |
|---|---|
| $0 to $999 | 0.05% |
| $1,000 to $49,999 | 0.07% |
| $50,000 to $499,999 | 0.10% |
| $500,000 and up | 0.15% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- Balance needed for the APY
- $500Source · checked Oct 10, 2026
- To earn the APY
- Minimum opening balance of $500 in new funds to First Citizens, maximum of $1,000,000, required to receive the advertised APY.Source · checked Oct 10, 2026
- APY paid on balances up to
- $1,000,000Source · checked Oct 10, 2026
- Interest compounds
- Interest is generally compounded daily and paid monthlySource · checked Oct 10, 2026
Fees
Features
Budgeting toolsInterest bearingMobile check depositOnline openingSpending 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