First Citizens Premier Checking account

Checking account that you can open as low as $100 initial deposit, which offers a return of 0.05% APY on the balance and allows you to improve the interest rate on certificates of deposit and reduce the interest rate on lines of credit.


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Commissions
Account management: $ 18 per month, which you do not pay if you meet any of the conditions requested by the bank.
Check deposit: Consult
Check writing: Consult
Transfers: Consult
Profitability
APY: 0.05%
Rate of interest: Fixed
Interest settlement: Monthly
Advantage
Checkbook: With checkbook
Requirements
Minimum deposit: $ 100

Additional information of Premier Checking account

The First Citizens Bank Premier is a checking account that you can open online, from the bank's website or from its mobile app.

First Citizens Bank accountsYou can also open it by going in person to one of the hundreds of offices that the bank has in one of the following states of the union: Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West, Virginia and Wisconsin.

With this account you have check writing and also a debit card with which you can pay in stores and through the Internet. It also allows you to withdraw cash at First Citizens Bank ATMs, free of charge.

Another advantage of Premier Checking is that it remunerates your balance, currently at 0.05% APY, and also improves the profitability of the time deposits you contract with the bank.

How to avoid the maintenance fee?

The bank applies a monthly fee of $18 that you will not pay if you meet any of the following requirements:

  • Direct deposit income of at least $4,000 per month.
  • Maintain a minimum daily balance of at least $5,000 in First Citizens accounts.
  • Have a mortgage line of credit of at least $25,000.
  • Have a consumer loan of more than $10,000.

As you can see, it is not a checking account for everyone, but with First Citizens Bank you can have the simpler Free account with no maintenance fee.

Español: Cuenta Premier Checking de First Citizens bank