First-Citizens Bank & Regular Savings

$0 a year on $10,000. $5 a month. $100 to open.

Checked Nov 1, 2026Updated Nov 1, 2026

A year on $10,000

Monthly fee

To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

Features

Interest bearing
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

Rate conditions

Interest compounds: Interest is compounded daily and will be credited to your account on a monthly basis.firstcitizens.com, checked Nov 1, 2026

Fees

Monthly fee: $5 a monthfirstcitizens.com, checked Nov 1, 2026
Ways to avoid the monthly fee: Any one of these:
You can avoid the monthly maintenance fee if you maintain a minimum daily ledger balance of $300.00
Minors who use their own Social Security Number to open a sole ownership account are eligible to maintain one Regular Savings Account free of monthly service charges until age 18
firstcitizens.com, checked Nov 1, 2026
Minimum to open: $100firstcitizens.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
Withdrawals a month: 2firstcitizens.com, checked Nov 1, 2026
Fee for each withdrawal over the limit: $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. Not all of this account’s figures are on record yet (rate missing). Report a mistake · How we make money

First-Citizens Bank & Regular SavingsFirst-Citizens Bank & Trust Company · Savings account

$0a year on $1,000,
after fees$0a year on $5,000,
after fees$0a year on $10,000,
after fees$0a year on $25,000,
after fees$0a year on $50,000,
after fees$0a year on $100,000,
after fees

See it on firstcitizens.com

We don’t earn anything from this link.

Other First-Citizens Bank & Trust Company accounts

First-Citizens Bank & Money Market Account0.15% APY First-Citizens Bank & Online Savings0.10% APY First-Citizens Bank & Premier Checking0.05% APY First-Citizens Bank & Prestige Checking0.05% APY First-Citizens Bank & Tiered Money Market Savings$10 a month All 12 First-Citizens Bank & Trust Company accounts

About First-Citizens Bank & Trust Company

Headquarters: Raleigh, NC
Regulator: FDIC
FDIC certificate: 11063
Insured up to: $250,000

From the FDIC’s register of institutions.

See it on firstcitizens.com

We don’t earn anything from this link.