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1st Relationship Checking

We value your relationship with us and came up with an account to show you how much we appreciate it — earn up to 3.04% APY* on your balance every month with 1st Relationship Checking. You can also get up to $10 in refunds on ATM surcharge fees, coast to coast. Just meet a few easy qualifications outlined below to earn your rewards. Open your account now!

  • Features high interest earnings to boost your balance
  • 3.04% APY* on balances up to $10,000 (if relationship qualifications are met)
  • 0.15% APY* on balances over $10,000 (if relationship qualifications are met)
  • 0.01% APY* if qualifications aren't met
  • Refunds on out-of-network ATM surcharge fees (up to $10 per month) *If qualifications are met*
  • Avoid the $7.50 monthly service fee by maintaining a $1,500 minimum balance
  • Unlimited monthly transactions
  • 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 
  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:

  • 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 our base interest rate.

*Rate and terms are subject to change. Higher interest rates apply only if qualifiers are met. The rate paid of the entire balance will be 0.01% if qualifiers are not met. If you qualify for 3.00% (APY 3.04%) it will be paid on balances up to $10,000. Balances above $10,000 earn 0.15% APY. Interest will be calculated by the daily balance method and will be credited to the account monthly. Fees may reduce earnings