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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 1.51% 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
  • 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)
  • 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.

*Variable rate and terms are subject to change, at our discretion, including after account opening. Higher interest rates apply only if qualifiers are met. The rate paid on the entire balance will be 0.01% if qualifiers are not met. If you qualify for 1.50% (Annual Percentage Yield 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 February 1, 2021.