1st CashBack Checking

Make shopping a whole lot more fun and rewarding with 1st CashBack Checking — our checking account that pays you 0.50% cash back on your debit card transactions (up to $10 back per month). You can also get cash back in the form of refunds on ATM surcharge fees. Get the checking account that pays you back today!

  • Features cash back on your debit card purchases
  • 0.50% cash back on debit card point of sale transactions (up to $10 back per cycle)
  • Refunds on out-of-network ATM surcharge fees (up to $10 per month) *If qualifications are met*
  • Avoid the $4.00 monthly service fee by completing 15 point-of-sale debit card transactions OR maintaining a $400 minimum balance
  • Unlimited monthly transactions
  • Online banking & bill pay
  • Mobile banking with mobile deposit
  • ID theft protection
  • Telephone banking
  • Visa® debit card
  • Paper statements for $3/month (eStatements available for free)
  • $25 minimum deposit to open

It's Easy to Eliminate the Monthly Service Fee and Get Rewarded

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

  • Conduct 15 or more point of sale debit card transactions (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 still earn cash back on your debit card purchases.