RateHerald

Monthly fee

$8

−$96 a year for an everyday customer: fees and interest, $2,000 kept.

First-Citizens Bank & Trust Company · Checking account

First-Citizens Bank & Together Card

−$96 a year for an everyday customer. $8 a month. $50 to open.

Checked Nov 1, 2026Updated

A year, everyday customer
−$96
Monthly fee
To open

Features

  • Check writing
  • Debit card
  • Minor accounts

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

Fees

Monthly fee
$8 a monthfirstcitizens.com, checked Nov 1, 2026
Ways to avoid the monthly fee
primary account holder also has a Prestige or Premier Checking accountfirstcitizens.com, checked Nov 1, 2026
Minimum to open
$50firstcitizens.com, checked Nov 1, 2026
Overdraft fee
$25firstcitizens.com, checked Nov 1, 2026
Returned item (NSF) fee
Nonefirstcitizens.com, checked Nov 1, 2026
Overdraft transfer fee
Nonefirstcitizens.com, checked Nov 1, 2026
Most overdraft fees in a day
3firstcitizens.com, checked Nov 1, 2026
Out-of-network ATM fee
$2.50firstcitizens.com, checked Nov 1, 2026
International ATM fee
$5firstcitizens.com, checked Nov 1, 2026
Foreign transaction fee (debit card)
3%firstcitizens.com, checked Nov 1, 2026
Incoming domestic wire
$16firstcitizens.com, checked Nov 1, 2026
Outgoing domestic wire
$30firstcitizens.com, checked Nov 1, 2026
Paper statements
$3 a monthfirstcitizens.com, checked Nov 1, 2026
Early closure fee
$25firstcitizens.com, checked Nov 1, 2026
Cashier’s check
$10firstcitizens.com, checked Nov 1, 2026
Stop payment
$35firstcitizens.com, checked Nov 1, 2026
Card replacement
$2firstcitizens.com, checked Nov 1, 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: 2 items counted at typical fees

See it on firstcitizens.com

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