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$0 per month
Minimum deposit to open
|Fee||$0 per month|
|Minimum deposit to open||$50|
|ATMs||1,100+ First Citizens Bank ATMs|
|Out-of-network ATM fee||$2.50|
|Foreign transaction fee||2%|
|Learn more||Apply now|
Michael Benninger is lead editor of banking at Forbes Advisor and a former writer at Finder, specializing in banking. His work and analysis has been featured in Business Insider, Yahoo Finance, GoBankingRates and the Los Angeles Times, among other top media. He holds a B.A. in business administration and marketing from Rowan University in New Jersey.
If you don’t opt in to electronic statements within 60 days of opening, the account will convert to a First Citizen Bank’s Select Checking account, which comes with a $12 monthly fee. This is a rare penalty. Most banks don’t penalize you by converting your account to another one for not going paperless. Typically banks will charge you a separate fee or a monthly maintenance fee until you sign up for electronic statements.
Also, eligibility to open the account is limited to residents of 19 states. Plus, its ATM network is small as there are only 1,100+ ATMs in the network. If you want a checking account that is free and gives you more in rewards, look at other free checking accounts like Ally Bank Interest Checking, which gives you up to 0.25% APY, comes with free checks, 24/7 customer service, no monthly opening deposit, ATM reimbursements and a network of 55,000 ATMs.
It takes about 10 minutes to open a First Citizens Bank Free Checking account.
Open a First Citizens Bank Free Checking account when you meet these requirements.
Provide the following information when applying for an account.
Like most checking accounts, the First Citizens Bank Free Checking account comes with a built-in bill pay and offers these benefits.
This account also has a few drawbacks to consider before you apply.
The First Citizens Bank Free Checking account comes with a debit card you can use for free at any of the 1,100+ First Citizens Bank branches and ATMs throughout its 19-state footprint. But if you use an ATM that First Citizens Bank doesn’t own, you’ll pay a $2.50 fee in addition to whatever the owner of the ATM charges.
On Trustpilot, First Citizens Bank has seven reviews with an average rating of 3.3 out of five. On both Trustpilot and the BBB’s website, most negative reviews relate to fees and in-branch customer service issues. None of the reviews are specifically about the bank’s Free Checking account.
Use this table to see how other checking accounts stack up based on their fees, minimum deposits and ATM networks.
You can move money into and out of your account in the following ways.
Contact First Citizens Bank in two ways.
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