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  First Citizens Bank Free Checking Account

First Citizens Bank Free Checking Account

in Checking Accounts from First Citizens Bank · fdic

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First Citizens Bank Free Checking Account

Unaffiliated

in Checking Accounts from First Citizens Bank · Member FDIC

SuperMoney Net Recommendation Score -14

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -14, equating to 2.7 on a 5 point rating scale.

-14

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
Community Rating Mostly not recommended
Monthly Fee $0
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee Starting at $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 Citizens Bank, a bank founded in 1898 and based in Raleigh, NC. 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 Service Charge.
  • Bill pay. Pay your bills to practically anyone in the United States through First Citizens Bank.
First Citizens Bank checking account Pros & Cons
Pros Cons
  • Free debit card
  • Access to a nationwide network of ATMs.
  • Does not earn interest
  • Only available in 19 states.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
First Citizens Bank checking account FAQ

Are checking accounts from First Citizens Bank federally insured?

Yes, your First Citizens Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #11063). 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 checking account offer?

First Citizens Bank checking account is not an interest-bearing account.

What are the account minimums for First Citizens Bank checking account?

First Citizens Bank checking account requires a minimum initial deposit of $50 to open an account.

First Citizens Bank Free Checking Account Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does First Citizens Bank checking account charge?

The good news is that this account does not have a monthly Service Charge.

First Citizens Bank Free Checking Account Fees
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

Does First Citizens Bank checking account charge overdraft fees?

Yes, First Citizens Bank checking account charges a $36 fee for every overdraft.

First Citizens Bank checking account offers overdraft protection at a cost of $32 per transaction.

What features and perks does First Citizens Bank checking account offer?

This account includes the following features:

  • Fraud monitoring - First Citizens Bank checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - First Citizens Bank checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for First Citizens Bank checking account?

The customer support email for First Citizens Bank checking account is fcbsocial@firstcitizens.com.

How do people rate the customer service and user experience of First Citizens Bank checking account?

Overall, First Citizens Bank checking account is mostly not recommended based on community reviews that rate customer service and user experience.

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.
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.

Message From First Citizens Bank Free Checking Account

The right checking account puts you in control. Make life easy with our simplest personal checking account. Keep it simple with a free checking account. No Fees, Enroll in paperless statements to avoid the monthly fee. No Minimum Balance. Never worry about maintaining a balance. Bank When You Want. Enjoy free Digital Banking,2 bill pay and 24/7 mobile deposits.

Contact

Hours of Operation

  • Sunday 7:00am - 11:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 7:00am - 11:00pm

Other Services by First Citizens 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 Starting at $0
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
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC
  • Check Writing

First Citizens Bank Free Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -14, equating to 2.7 on a 5 point rating scale.

-14

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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