First Citizens Checking Overview: What Makes It a Top Choice in 2025?

First Citizens checking accounts are simple, flexible and convenient. First Citizens Bank offers options that fit different needs and lifestyles. These accounts come with different helpful features. More importantly, they combine traditional service with modern digital tools.

In today’s world, choosing the right checking account matters more than ever. With so many banks competing for attention, it helps to pick one that balances cost, features, and support. Fortunately, First Citizens checking accounts make that choice easier. In this guide, you’ll learn about the available options, key benefits, fees, and how to open your account with confidence.

Introduction of First Citizens Checking Accounts

A checking account is a type of bank account meant for everyday transactions like ATM withdrawals or grocery purchases with a debit card. You can open a checking account at both traditional banks and credit unions, as well as online-only banking platforms.

Checking accounts are built for daily financial activities. You can add money by depositing cash at an ATM or receiving your paycheck through direct deposit. They also allow you to withdraw cash at ATMs or use a debit card to make purchases. In addition, checking accounts support online bill payments and money transfers through various payment apps.

First Citizens checking accounts works in much the same way. It offers all the essential features you’d expect, including easy cash deposits, ATM access, and the ability to receive direct deposits from your employer. With a First Citizens debit card, you can shop online or in stores, withdraw funds, or pay for services anytime.

First Citizens checking accounts are backed by one of America’s most established and trusted financial institutions. Founded in 1898 in Smithfield, North Carolina, First Citizens Bank has grown steadily over 125 years to become one of the largest family-controlled banks in the United States. Today, it operates more than 500 branches across 23 states and holds over $200 billion in assets.

With a strong focus on long-term relationships, First Citizens lives by its promise: Forever First, putting people first in every service and solution. The bank combines personalized customer care with modern digital tools. Therefore, it’s easier to manage your finances confidently. Moreover, First Citizens has emerged as one of the top 20 banks in the country, known for its stability, innovation, and customer-first approach.

Types of First Citizens Checking Accounts

A First Citizens checking account is a foundational part of any flexible financial strategy. With variety of First Citizens checking options and easy-to-use digital banking tools, managing your money has never been more convenient.

Free Checking

Free Checking Account is a smart First Citizens checking choice for anyone seeking simple, cost-effective everyday banking. Designed with convenience in mind, this account allows you to manage your money with ease without worrying about hidden charges or complicated requirements. As long as you enroll in paperless statements within 60 days of opening your account, you can enjoy full access to checking features with no monthly service fee.

One of the standout benefits of this account is that it requires no minimum balance. Therefore, you don’t have to stress over maintaining a certain amount of money in your account whether you’re saving for personal loans or planning ahead for larger goals.

The Free Checking Account also includes full access to First Citizens Digital Banking. You can pay bills online, deposit checks using your mobile device, and transfer funds between accounts 24/7.

In addition to the basics, First Citizens includes several digital tools and protections to help you stay on top of your financial life. With this account, you can:

• Choose your level of overdraft protection to avoid declined transactions or unexpected fees.

• Send and receive money with Zelle®, perfect for splitting bills or paying friends instantly.

• Track your expenses using the “Manage My Money” tool, which helps you spot spending patterns and build better habits.

• Receive alerts via text or email about your account activity, so you’re always informed.

• Use mobile payments by linking your debit card to Apple Pay® or Samsung Pay® for added speed and security.

Opening the account is simple, with a minimum deposit of just $50. After that, you can manage your funds using intuitive online tools, access free customer support, and enjoy peace of mind.

Whether you’re budgeting carefully, managing part-time income, or just need a dependable way to pay bills and make purchases, this account provides all the essentials without the extra cost.

Premier Checking

Unlike basic First Citizens checking accounts, Premier Checking not only provides convenience but also pays interest on your balance. Consequently, your money can grow while it sits in your account. With a wide range of built-in benefits, this account supports both daily transactions and long-term financial planning.

One of the main highlights is the opportunity to earn 0.05% APY on your account balance. Additionally, account holders gain access to preferred rates on CDs and home equity lines of credit, adding even more value for those planning to borrow or invest.

To open a Premier Checking account, you’ll need a minimum deposit of $100, making it accessible while still offering premium features. Moreover, the account comes with free digital banking tools. You can pay bills, deposit checks, and transfer funds anytime along with the account supports mobile payments through Apple Pay® and Samsung Pay® for added convenience.

The standard monthly maintenance fee is $18, but it’s easy to waive when you meet any one of the following criteria:

• Maintain a combined daily balance of $5,000 in select accounts

• Receive $4,000 or more in monthly direct deposits

• Hold an equity line of at least $25,000

• Have a consumer loan of $10,000 or more

Beyond interest and fee waivers, the Premier Checking Account includes tools to help you stay in control of your finances – Manage My Money. It has several features especially useful for tracking trends, staying within budget, and planning ahead.

Other helpful tools include the ability to automate bill payments, pay down debt with goal-based planning, and track external accounts from other financial institutions. With overdraft protection options, you can also add a layer of security to avoid declined transactions or fees.

Prestige Checking

The Prestige Checking Account from First Citizens checking goes beyond the basics by offering exclusive perks, competitive interest rates, and elevated convenience. It’s the ideal solution for those who want their bank account to match their financial lifestyle.

First of all, with just a $100 minimum opening deposit, account holders gain access to a wide range of features designed to enhance both flexibility and savings. You’ll earn 0.05% APY on your balance, making your money work for you even in checking. Additionally, Prestige customers benefit from unlimited use of non-First Citizens ATMs, with fee reimbursements that make accessing your funds easier wherever you are.

Prestige Checking also includes free services that would typically incur fees elsewhere. You can enjoy complimentary cashier’s checks, money orders, and travelers checks. These added conveniences reflect the account’s VIP nature.

In addition, managing your finances becomes smoother thanks to First Citizens’ robust digital banking tools. You can easily track your expenses using the Manage My Money tool, set budgets, automate bill payments, and deposit checks remotely. For added convenience and security, the account supports Apple Pay® and Samsung Pay®, allowing you to manage payments digitally whether you’re handling regular purchases or monitoring credit card spending patterns.

To waive the standard $25 monthly maintenance fee, you simply need to meet one of the following criteria:

• Maintain a combined daily balance of $25,000 across First Citizens deposit accounts

• Receive at least $6,500 in monthly direct deposits

• Hold an Equity Line of $100,000 or more

• Have an original consumer loan of $25,000 or more

Furthermore, Prestige Checking Account offers access to preferred rates on CDs and home equity lines of credit. These rates can help you save money on borrowing and maximize returns on longer-term savings products.

First Citizens Checking Account Comparison

Choosing the right First Citizens checking account is an important step toward managing your finances with ease. First Citizens Bank offers a variety of checking accounts to fit different needs. To help you decide which one is right for you, here’s a side-by-side comparison of their Free, Premier, and Prestige Checking Accounts, including key features like fees, interest, digital access, and added benefits.

Digital Banking for First Citizens Checking

Managing your money is easier than ever with Digital Banking, especially when paired with a First Citizens checking account. Whether you choose Free, Premier, or Prestige Checking, all account holders gain full access to a powerful suite of digital tools. Therefore,  you can gain more control over your finances, right from your phone or computer.

With Digital Banking, you can instantly view balances and recent transactions, monitor spending, and track your financial goals. It’s seamlessly integrated with your First Citizens checking account, allowing you to pay bills, set up direct deposits, and manage recurring transfers with just a few taps. If you’re working toward major milestones like buying a car or saving for a house, these features make it easier to align your checking activity with future auto loans or home loans.

The First Citizens mobile app adds another level of convenience. Available for iOS and Android, the app supports secure login options like Face ID®, Touch ID®, and passcodes. You can deposit checks by taking a photo, lock or unlock your debit card, and connect your First Citizens checking account to Apple Pay®, Google Pay®, or Samsung Pay® for contactless purchases.

Digital Banking also helps you stay organized and protected. You can enable real-time account alerts for things like low balances or large purchases so you can prevent overdrafts and catch suspicious activity early. The app’s built-in Manage My Money feature allows you to visualize spending trends linked directly to your checking transactions.

Moreover, First Citizens integrates Zelle®, so you can transfer funds to friends and family quickly and securely. You can also move money between internal and external accounts, schedule payments in advance, and download digital statements and tax documents with ease.

What Makes First Citizens Checking a Top Choice in 2025?

With so many banks offering similar promises, finding a checking account that truly stands out can be challenging. But in 2025, First Citizens checking accounts continue to rise above the rest by combining time-tested service with modern digital convenience. Here’s why it’s considered a top choice for individuals and families nationwide.

Seamless Blend of Tradition and Technology

First Citizens checking accounts stand out in 2025 by offering the perfect mix of traditional service and modern convenience. While many banks lean heavily into digital-only experiences or remain overly reliant on in-person services, First Citizens bridges the gap. With over 500 branches across 23 states, customers can choose face-to-face support when needed—while still enjoying robust digital tools for daily banking.

Full Access to Powerful Digital Tools

Every First Citizens checking account comes with comprehensive digital banking features. Customers can:

• Deposit checks via mobile

• Send money instantly through Zelle®

• Automate bill payments

• Monitor account activity with real-time alerts

• Track spending using the Manage My Money tool

• Integrate with Apple Pay®, Google Pay®, and Samsung Pay®

These features make managing money intuitive, fast, and secure—no matter where you are.

Competitive Banking Features and Flexibility

What truly sets First Citizens apart in 2025 is its customer-first approach to account flexibility. Depending on the account tier—Free, Premier, or Prestige—customers enjoy:

• Interest earnings up to 0.05% APY

• Waivable monthly maintenance fees

• Unlimited ATM usage and fee reimbursements (Prestige)

• Preferred rates on CDs and home equity lines

• Free checks and added debit card benefits

Whether you’re starting your financial journey or managing a high balance, there’s an option tailored to your goals.

Backed by Over 125 Years of Trust

First Citizens is not only a modern bank but also a long-established institution with deep roots in customer service. Founded in 1898, it’s now one of the largest family-controlled banks in the U.S., with over $200 billion in assets. This track record offers peace of mind that your finances are managed by a stable, transparent, and customer-focused institution whether you’re building savings, considering payday loans for short-term needs, or exploring more sustainable financial solutions.

Ideal for a Wide Range of Customers

From students opening their first account to retirees seeking reliable cash access and digital ease, First Citizens checking offers scalable solutions. It’s especially ideal for:

• Users seeking no-fee basic banking

• Professionals looking to earn interest and waive fees

• High-balance customers wanting premium perks and financial advantages

In 2025, First Citizens checking accounts deliver unmatched value by combining user-friendly digital features, competitive financial perks, and trusted service. Whether you’re focused on budgeting, saving, or accessing exclusive benefits, First Citizens has an account that makes everyday banking smarter, simpler, and more rewarding.

How to Open a First Citizens Checking Account

Opening a First Citizens checking account is a straightforward process designed to be fast, secure, and user-friendly. Whether you prefer to apply online or visit a branch in person, First Citizens offers flexible options to suit your schedule and comfort level.

Choose the Right Checking Account

First, decide which type of First Citizens checking account fits your needs. The bank offers several options:

• Free Checking – Great for everyday use with no monthly fees when you go paperless.

• Premier Checking – Earns interest and offers preferred rates on select financial products.

• Prestige Checking – Designed for high-balance users who want premium perks like unlimited ATM reimbursements and free checks.

Each account has different features, minimum deposit requirements, and fee structures. Take time to compare them before applying.

Gather the Required Information

Before starting the application, make sure you have the following details ready:

• Government-issued photo ID (e.g., driver’s license or passport)

• Social Security number or Tax Identification Number

• U.S. residential address

• Email address and phone number

• Funding method (e.g., debit card, bank transfer, or check for the opening deposit)

Most accounts require a minimum opening deposit, typically $50 for Free Checking or $100 for Premier and Prestige accounts.

Apply Online or In Person

You can open your First Citizens checking account in two ways:

• Online: Visit firstcitizens.com, choose your preferred checking account, and click “Open Account.” The online application usually takes less than 10 minutes.

• In-branch: Head to a local First Citizens branch with your documents and speak with a banker for personalized guidance.

Fund Your Account

During the application process, you’ll be asked to make your opening deposit. You can do this by:

• Linking an existing bank account

• Using a debit card

• Mailing a check (if opening in person or by appointment)

Once the deposit is made, you’ll receive your new checking account number and routing number for setting up direct deposits or payments.

Set Up Digital Banking

After your account is opened, enroll in First Citizens Digital Banking to get full access to online and mobile tools. With digital banking, you can:

• Check balances and recent transactions

• Deposit checks with your phone

• Pay bills and transfer money

• Set up alerts and track spending with the “Manage My Money” tool

You’ll also receive your debit card by mail, which can be activated and managed through the mobile app.

Note:

• Enroll in paperless statements within 60 days to skip monthly fees.

• Set up direct deposit to get paid faster.

• Use Zelle® in the app to send and receive money instantly.

First Citizens checking accounts combine simplicity, flexibility, and modern digital tools to help you manage your finances with ease. First Citizens offers choices that fit your lifestyle. Backed by over 125 years of trusted banking experience, these accounts provide the convenience of mobile banking, strong customer support, and features that make everyday money management more efficient and rewarding.