in Checking Accounts from First Citizens Bank · fdic
UnaffiliatedFirst Citizens Bank Free Checking Account
in Checking Accounts from First Citizens Bank · Member FDIC
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| Community Rating | Mostly not recommended |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0% |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $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.
- 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.
| Pros | Cons |
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Are checking accounts from First Citizens Bank federally insured?
Yes, this account is 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.
| 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.
| 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.
Message From First Citizens Bank Free Checking Account
Contact
- Headquarters
-
239 Fayetteville Street
Raleigh, NC 27601 - Visit Site
- Email Support
Other Services by First Citizens Bank
Availability
- Arizona
- California
- Colorado
- Florida
- Georgia
- Kansas
- Maryland
- Missouri
- North Carolina
- New Mexico
- Oklahoma
- Oregon
- South Carolina
- Tennessee
- Texas
- Virginia
- Washington
- Wisconsin
- West Virginia
First Citizens Bank Free Checking Account Community Reviews
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