1st Relationship Checking

1st Relationship Checking

We value your relationship with us. To show you our appreciation, we created 1st Relationship Checking — earn up to 1.51% APY* on your balance every month. You can also get up to $10 in refunds on ATM surcharge fees. Just meet a few easy qualifications outlined below to earn your rewards. Open your account today!

  • 1.51% APY* on balances up to $10,000 (if relationship qualifications are met)
  • 0.08% APY* on balances over $10,000 (if relationship qualifications are met)
  • Refunds on out-of-network ATM surcharge fees (up to $10 per month). To earn the ATM surcharge/fee refunds, 15 point-of-sale debit transactions must post during the month
  • Avoid the $7.50 monthly service fee by maintaining a $1,500 minimum balance
  • Online banking & bill pay
  • Mobile banking with mobile deposit
  • ID theft protection
  • Telephone banking
  • Visa® debit card
  • $25 minimum deposit to open


It’s Easy to Qualify for Your Rewards

To earn the higher interest rate, you must meet both of the following monthly qualifications:

  1. Conduct 15 or more point of sale debit card transactions that post and settle during the month
  2. Have $5,000 combined balances in other personal accounts at First Citizens, some account limitations apply (excludes 1st Relationship balance)

To earn the ATM surcharge/fee refunds, you only need to meet the following monthly qualification:

  • 15 or more point of sale debit card transactions must post and settle during the month (excludes ATM transactions.)

That’s it! And if you don’t qualify one month, don’t worry — you’ll still have your First Citizens Rewards account with great time-saving services and features. Plus, you’ll earn our base interest rate.

*Variable rate and terms are subject to change, at our discretion, including after account opening. Higher interest rates and Annual Percentage Yields (APYs) apply only if qualifiers are met. The rate and APY paid on the entire balance will be 0.01% if qualifiers are not met. If you qualify for 1.50% (APY 1.51%), it will be paid on balances up to $10,000. Balances above $10,000 earn 0.08% APY. Interest will be calculated by the daily balance method and will be credited to the account monthly. Fees may reduce earnings. Stated APY accurate as of date of publication.

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