First Citizens Bank Free Checking Account
in Checking Accounts from First Electronic Bank · Member fdic
UnaffiliatedFirst Citizens Bank Free Checking Account
in Checking Accounts from First Electronic Bank · 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 | $0 |
| APY (Annual Percentage Yield) | 0% |
| Number of Reviews | 7 |
First Citizens Bank Free Checking Account Review
First Citizens Bank Free Checking Account is offered by First Electronic Bank, a bank founded in 2000 and based in Salt Lake City, UT. First Citizens Bank Free Checking Account is available in 19 states across the USA.
Key Takeaways
- 0% APY. As with most checking accounts, First Citizens Bank Free Checking Account does not pay interest.
- $0 monthly fee. This account does not charge a monthly maintenance fee.
- Free bill pay. Pay your bills to practically anyone in the United States through First Electronic Bank.
- Hard credit pull. First Electronic Bank may require a hard pull on your credit report to open a checking account.
First Citizens Bank Free Checking Account Pros & Cons
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First Citizens Bank Free Checking Account FAQ
Are checking accounts from First Electronic Bank federally insured?
Yes, your First Electronic Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #35533). 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 Free Checking Account offer?
First Citizens Bank Free Checking Account is not an interest-bearing account.
What are the account minimums for First Citizens Bank Free Checking Account?
First Citizens Bank Free Checking Account requires a minimum initial deposit of $50 to open an account.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $50 |
What fees does First Citizens Bank Free Checking Account charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Check Image Service | $3 |
| Debit Card Replacement Fee | $2 |
| Early Account Closure | $25 |
| Foreign Transaction Fee (Debit Card) | 3% |
| Monthly Fee | $0 |
| NSF Fee | $36 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $36 |
| Overdraft Protection Fee (per transfer) | $32 |
| Paper Statement Fee | $8 |
| Returned Deposit Fee (Domestic) | $32 |
| Returned Deposit Fee (International) | $0 |
| Stop Payment Fee | $35 |
| Wire Transfer Fee - Domestic (Incoming) | $16 |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Incoming) | $0 |
| Wire Transfer Fee - International (Outgoing) | $0 |
| ATM Fee: Out-of-Network | $2.50 |
What features and perks does First Citizens Bank Free Checking Account offer?
This account includes the following features:
- Fraud monitoring - First Citizens Bank Free Checking Account 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 Free Checking Account 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 Free Checking Account 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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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
-
2150 S 1300 E Suite 400
Salt Lake City, UT 84106 - (866) 322-8008
- Visit Site
Other Services by First Electronic Bank
Availability
Available in 19 states
- Arizona
- California
- Colorado
- Florida
- Georgia
- Kansas
- Maryland
- Missouri
- North Carolina
- New Mexico
- Oklahoma
- Oregon
- South Carolina
- Tennessee
- Texas
- Virginia
- Washington
- Wisconsin
- West Virginia
Feature Breakdown
| APY Minimum Balance | $0 |
| Minimum Opening Deposit | Starting at $50 |
| Minimum Balance to Avoid Monthly Fee | $0 |
First Citizens Bank Free Checking Account Community Reviews
Would you recommend First Citizens Bank Free Checking Account to your friends?
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