Monthly fee
$0
$0 a year for an everyday customer: fees and interest, $2,000 kept.
First-Citizens Bank & Trust Company · Checking account
First-Citizens Bank & Primary Checking
$0 a year for an everyday customer. No monthly fee. $50 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · firstcitizens.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · firstcitizens.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#260of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Bill pay
- Branch access
- Budgeting tools
- Check writing
- Contactless card
- Debit card
- Mobile check deposit
- Mobile wallet
- No minimum balance
- Online opening
- Overdraft protection transfer
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- To earn the APY
- sign up to receive First Citizens electronic statements within 60 days of account openingfirstcitizens.com, checked Nov 8, 2026
Fees
- Monthly fee
- Nonefirstcitizens.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Enroll in paperless statements within 60 days of opening your account to avoid a monthly maintenance fee.firstcitizens.com, checked Nov 8, 2026
- Minimum to open
- $50firstcitizens.com, checked Nov 8, 2026
- Overdraft fee
- $25firstcitizens.com, checked Nov 8, 2026
- Returned item (NSF) fee
- Nonefirstcitizens.com, checked Nov 8, 2026
- Overdraft transfer fee
- Nonefirstcitizens.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 3firstcitizens.com, checked Nov 8, 2026
- ATM network
- Target ATMs nationwide (no fees)firstcitizens.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $2.50firstcitizens.com, checked Nov 8, 2026
- International ATM fee
- $5firstcitizens.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 3%firstcitizens.com, checked Nov 8, 2026
- Incoming domestic wire
- $16firstcitizens.com, checked Nov 8, 2026
- Outgoing domestic wire
- $30firstcitizens.com, checked Nov 8, 2026
- Paper statements
- $3 a monthfirstcitizens.com, checked Nov 8, 2026
- Early closure fee
- $25firstcitizens.com, checked Nov 8, 2026
- Cashier’s check
- $10firstcitizens.com, checked Nov 8, 2026
- Stop payment
- $35firstcitizens.com, checked Nov 8, 2026
- Card replacement
- $2firstcitizens.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees