First Citizens Online Savings account review

First Citizens Online Savings account

We are well aware of the importance of saving to grow our wealth, meet our goals and solve any emergency. All of the above is possible with First Citizens Bank's Online Savings account, which you can open with $25 and offers an APY of 0.03% for balances from $0.01 to $1 million.

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Commissions

Account management:	$ 0
Check deposit:	Consult
Check writing:	Consult
Transfers:	$ 0 the first two monthly transfers, from the third $3 each.

Profitability

APY:	0.03%
Rate of interest:	Fixed
Interest settlement:	Monthly

Advantage

Checkbook:	No checkbook

Requirements

Minimum deposit:	$ 25

Additional information of Online Savings account

Obtaining the First Citizens Bank Online Savings account is very simple. Along with the initial deposit, you must be 18 years of age or older, a permanent resident or U.S. citizen and live where this institution operates. Then you complete the online form and wait for further instructions.

This interest-bearing savings account does not require a minimum balance, does not include a maintenance fee and offers a small interest rate. Based on giving you the dividends you expect, the interest earned is calculated daily and credited at the end of the month.

This savings instrument also has other advantages worth noting:

Transfers/withdrawals: 2 per month and then $3 each.
Notifications. To be aware of the movements of your account, you can set up alerts that will reach you via sms or email.
Mobile/Online Banking. Either through the web or app, you can check balances, transfer, pay and make any transaction free of charge and 24 hours a day.
Overdraft protection. If you want to avoid overdraft fees, you have several programs that you can link to your account to automatically transfer money when you have no funds.
Manage my money tool. This option is designed to allow you to aggregate all the financial instruments you have (accounts, personal loans, credit cards, etc.), view your spending by category and create budgets to improve your financial habits.

First Citizens Bank's Online Savings account makes it easier for you to manage your money at this and other banks. Even if you like this banking product, on Busconomico you will find more to compare so you can choose wisely.

Español: Cuenta Online Savings de First Citizens Bank

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