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  First Citizens Bank & Trust Company Free Checking

First Citizens Bank & Trust Company Free Checking

in Checking Accounts from First Citizens Bank & Trust Company

Unaffiliated

First Citizens Bank & Trust Company Free Checking

Unaffiliated

in Checking Accounts from First Citizens Bank & Trust Company

SuperMoney Net Recommendation Score -14%

SUPERMONEY NET RECOMMENDATION SCORE

-14%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly not recommended

1 user recommends
4 users are unsure
2 users don't recommend
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Highlights
Highlights
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.

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.

First Citizens Bank & Trust Company Free Checking Account Minimums
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.

First Citizens Bank & Trust Company Free Checking Fees
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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

Feature Breakdown

Minimum Initial Deposit $50
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Returned Deposit Fee (International) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Check Image Service $3
Debit Card Replacement Fee $2
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $36
Overdraft Item Fee $36
Overdraft Protection Fee (per transfer) $32
Paper Statement Fee $8
Returned Deposit Fee (Domestic) $32
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $16
Wire Transfer Fee - Domestic (Outgoing) $30
ATM Fee: Out-of-Network $2.50
Bank Account Features
  • Bauer Financial A+/A Rating
  • Check Writing
  • Debit Card
  • FDIC Member
  • Fraud Monitoring
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network

First Citizens Bank & Trust Company Free Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-14%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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