Checking

DeluxeChecksAdvantage Checking
An account that complements your real estate loan or your employer’s banking relationship with First Citizens.

  • Free Online Banking*
  • Free Bill Pay Express
  • Free My Debit Card or ATM Card**
  • Free exclusive First Citizens checks***
  • Consumer Loan Rate discount
  • Free financial planning consultation
  • No-service-fee money orders and cashier’s checks (limit 5 per month)
  • No balance requirements
  • No minimum to open
  • No monthly service charge
  • Does not earn interest
  • Monthly paper statements or eStatements

*Downloading fees may apply.
**Bank approval standards apply.
***Or receive a $5.00 discount on any check design of your choice.


iCheckinguOpenButton3
An account designed especially for those 15-25.

  • Free Online Banking*
  • Free Bill Pay Express
  • First 24 checks free
  • eStatements
  • Free My Debit Card or ATM Card**
  • No balance requirements
  • $50 minimum to open
  • No monthly service charge
  • Does not earn interest

*Downloading fees may apply.
**Bank approval standards apply.


 Free CheckinguOpenButton3
An account that is easy with no monthly service charge.

  • Free Online Banking*
  • Free Bill Pay Express
  • No balance requirements
  • $100 minimum to open
  • No monthly service charge
  • Does not earn interest
  • Monthly paper statements or eStatements

*Downloading fees may apply.


Premium Checking
A full-service checking account plus more for one low monthly fee.

  • Free Online Banking*
  • Free Bill Pay Express
  • Free My Debit Card or ATM Card**
  • Free exclusive First Citizens checks***
  • Discount on MasterCard Meta Pay Travel Card
  • $3.00 discount on annual rental of any size safe deposit box
  • No-service-fee money orders and cashier’s checks (limit 5 per month)
  • No balance requirements
  • $100 minimum to open
  • $7.00 monthly service fee
  • Does not earn interest
  • Monthly paper statements or eStatements

*Downloading fees may apply.
**Bank approval standards apply.
***Or receive a $5.00 discount on any check design of your choice.


HC CheckinguOpenButton3
A no-service charge account for customers age 55 or better who have qualified for membership in the HC.

  • Free Online Banking*
  • Free Bill Pay Express
  • $3.00 discount on My Debit Card or ATM Card fee annually**
  • Free exclusive First Citizens checks***
  • Free financial planning consultation
  • Discount on MasterCard Meta Pay Travel Card
  • $3.00 discount on annual rental of any size safe deposit box
  • No-service-fee money orders and cashier’s checks (limit 5 per month)
  • No balance requirements unless account is used for Club membership, then $1,500 minimum
  • No monthly service charge
  • Competitive interest rate earned on daily collected balances of $1,500 or more
  • Monthly paper statements or eStatements

*Downloading fees may apply.
**Bank approval standards apply. HC Checking customers receive a $3.00 annual discount on a My Debit Card or ATM card.
***Or receive a $5.00 discount on any check design of your choice.


eMoney MarketuOpenButton3
A flexible tiered account that earns interest and allows for withdrawals.

  • Free Online Banking*
  • Free Bill Pay Express
  • Unlimited withdrawals
  • Free My Debit Card**
  • $100 minimum to open
  • $10.00 monthly service charge that can be avoided if average collected balance is $2,500 or more
  • Interest earned on daily collected balances of $2,500 or more
  • Monthly paper statements or eStatements

*Downloading fees may apply.
**Bank approval standards apply.