• Checking Accounts
  • Check Reorder
  • Economy Checking
  • Classic Checking
  • NOW and SUPER NOW Checking
  • Overdraft Protection

• Savings Accounts
  • Statement Savings
  • Money Market Savings
  • Certificates of Deposit
    
• Rates

Checking Accounts
First Citizens offers four checking plans tailored to fit your lifestyle and individual needs. Our new accounts representative can help you decide which package best meets your checking requirements.

Check Reorder
Reorder checks allows you to order a new set of checks for any account that has checks associated with it.  This reorder of checks allows no changes to your existing information.  Click here to order Deluxe Checks.

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Economy Checking - APPLY NOW!
A personal or business checking account that provides the convenience of check writing for a low monthly cost. This account is for the customer who maintains a low checking balance and writes few checks per month. There is no minimum balance requirement and no monthly maintenance charge. The per-debit charge is $.25 and the minimum opening deposit is $10. Overdraft Protection Plans are not available under this plan. This account is noninterest-bearing.

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Classic Checking - APPLY NOW!
A business checking account that provides bill-paying convenience at a nominal cost, however, the $5.00 monthly service charge can be avoided if you maintain the following deposit balances for the statement cycle:

• Classic Checking account balance of $500 or more
• Or an average balance in your Classic Checking account of $1,000
• Or a combined balance of $1,000 in a total deposit relationship
• Or a balance of $50 with no activity on your Classic Checking account for the statement cycle

There is no per-debit charge and the minimum opening deposit is $100. ATM and Overdraft Protection Plans are available under this plan. This account is noninterest-bearing. 

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NOW and SUPER NOW Checking - APPLY NOW!       RATES
Available for sole proprietors and not for profit organizations.  These checking accounts require a higher minimum monthly balance than the Regular Checking account in order to avoid a $5 monthly service charge, but are interest-bearing accounts with no per-debit charges. The opening minimum monthly balance requirements for the NOW and SUPER NOW accounts are $1,000 and $2,500, respectively. In addition, you can elect to avoid the service charge to your NOW account if you maintain a $1,000 or greater balance in a First Citizens Statement Savings account. ATM and Overdraft Protection Plans are available for these plans. The SUPER NOW account will generally earn a higher rate of interest than the NOW account but is subject to more frequent interest changes.

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Overdraft Protection

• Cash Reserve – This line of credit program protects your checking account from overdrafts and eliminates the overdraft fee by an automatic cash advance transfer ($100 increments only – up to the credit line) from your line of credit to your First Citizens checking account. Interest is calculated daily on the unpaid Cash Reserve balance. Monthly payments are the greater of 5% of the credit line or $10. Annual Percentage Rate (APR) is 18%.  Requires credit application and approval.
  
• Overdraft Protection Plan – Link your Statement Savings, Money Market or another checking account to your primary checking account for similar overdraft protection. Overdrafts are covered by authorizing the Bank to transfer the amount of your overdraft plus a $5 charge per business day that a draw is made from your linked account. (Limited by Federal Regulation to six authorized transfers per month.)

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Savings Accounts

First Citizens investment plans offer you a wide array of alternatives and provide you the safety, convenience and flexibility you’ve been looking for. Let us help you invest your money in a diversified First Citizens investment portfolio to meet your particular financial needs.

Statement Savings - APPLY NOW!       RATES
First Citizens Statement Savings account makes your savings program more efficient and convenient. The money you deposit into your savings account earns interest while being readily available for withdrawal without penalty. Interest is paid and compounded quarterly to help your savings grow (minimum balance of $25 to earn interest). There is no service fee if you maintain a minimum balance of $25; if under $25 minimum balance, the cost is $2.50 per month. In addition, you can also take advantage of the added convenience of 24–hour access to your account through ATM’s. The minimum opening deposit is $25.

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Money Market Savings - APPLY NOW!    RATES
The First Citizens Money Market Savings account earns a competitive market rate. Interest is accrued daily and compounded monthly. Minimum deposit amount is $2,500 and must be maintained to avoid a $5 monthly service charge. This plan is not subject to withdrawal by check and pre-authorized/automatic transfers are limited by Federal Regulation to six per month.

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Certificates of Deposit - APPLY NOW!     RATES
The Certificate of Deposit (CD) is one of the most widely held and accepted investments today. It is a flexible, safe investment that lets you adapt to changing economic times without loss of capital or current income. We offer flexible terms from seven days up to 60 months. Minimum opening balance requirements and interest rates vary based on the term. Various renewal/maturity and interest payment options are available. Penalty for early withdrawal.

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