First Citizens Bank & Trust Company Free Checking
in Checking Accounts from First Citizens Bank & Trust Company · Member fdic
UnaffiliatedFirst Citizens Bank & Trust Company Free Checking
in Checking Accounts from First Citizens Bank & Trust Company · Member FDIC
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| Community Rating | Mostly not recommended |
| Monthly Fee | $0 |
| ATM Fee: Out-of-Network | $2.50 |
| Minimum Balance to Avoid Monthly Fee | N/A |
| APY (Annual Percentage Yield) | 0% |
| Number of Reviews | 7 |
First Citizens Bank & Trust Company Free Checking Review
First Citizens Bank & Trust Company Free Checking is offered by First Citizens Bank & Trust Company, a bank founded in 1936 and based in Raleigh, NC. First Citizens Bank & Trust Company Free Checking is available in 19 states across the USA.
Key Takeaways
- 0% APY. As with most checking accounts, First Citizens Bank & Trust Company Free Checking does not pay interest.
- $50 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- Free bill pay. Pay your bills to practically anyone in the United States through First Citizens Bank & Trust Company.
- Hard credit pull. First Citizens Bank & Trust Company may require a hard pull on your credit report to open a checking account.
First Citizens Bank & Trust Company Free Checking Pros & Cons
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First Citizens Bank & Trust Company Free Checking FAQ
Are checking accounts from First Citizens Bank & Trust Company federally insured?
Yes, your First Citizens Bank & Trust Company checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does First Citizens Bank & Trust Company Free Checking offer?
First Citizens Bank & Trust Company Free Checking is not an interest-bearing account.
What are the account minimums for First Citizens Bank & Trust Company Free Checking?
First Citizens Bank & Trust Company Free Checking requires a minimum initial deposit of $50 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $50 |
What fees does First Citizens Bank & Trust Company Free Checking charge?
This account charges a monthly maintenance fee of $0.
| Description | |
|---|---|
| Monthly Fee | $0 |
| Paper Statement Fee | $8 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $2.50 |
| NSF Fee | $36 |
| Overdraft Protection Fee (per transfer) | $32 |
| Overdraft Item Fee | $36 |
| Early Account Closure | $25 |
| Returned Deposit Fee (Domestic) | $32 |
| Debit Card Replacement Fee | $2 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $35 |
| Check Image Service | $3 |
| Check Copy | N/A |
| Foreign Transaction Fee (Debit Card) | 3% |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Outgoing) | $0 |
| Wire Transfer Fee - International (Incoming) | $0 |
| Returned Deposit Fee (International) | $0 |
| Wire Transfer Fee - Domestic (Incoming) | $16 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does First Citizens Bank & Trust Company Free Checking offer?
This account includes the following features:
- Fraud monitoring - First Citizens Bank & Trust Company Free Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - First Citizens Bank & Trust Company Free Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
First Citizens Bank & Trust Company Free Checking Disclosure:
International Transfer and Return Deposit Fees vary and must be discussed with the bank at the time of the transaction.
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Contact
- Headquarters
-
239 Fayetteville Street
Raleigh, NC 27601 - Visit Site
Other Services by First Citizens Bank & Trust Company
Availability
Available in 19 states
- Arizona
- California
- Colorado
- Florida
- Georgia
- Kansas
- Maryland
- Missouri
- New Mexico
- North Carolina
- Oklahoma
- Oregon
- South Carolina
- Tennessee
- Texas
- Virginia
- Washington
- West Virginia
- Wisconsin
First Citizens Bank & Trust Company Free Checking Community Reviews
Would you recommend First Citizens Bank & Trust Company Free Checking to your friends?
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