Overview

Keep it simple with a free checking account. First Citizens offers no monthly fees when you enroll in paperless statements*, no minimum balance and you can open with as little as $50, but they are available in a limited number of states.

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Pros:

• Access 1,100+ First Citizens Bank ATMs.
• No monthly Service Charge*.
• Manage My Money finance tracking tool

Cons:

• Only available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV and WI.
• No APY

Best For

Consumers who want a free checking account that comes with a debit card that can be used for free at any of the 1,100+ First Citizens Bank branches and ATMs throughout its 19-state footprint.

Bottom Line

There are no monthly service charges with First Citizens Free Checking account if you sign up for paperless statements within 60 days of opening your account. You can open one for as little as $50, and you have access to 1,100+ First Citizens Bank ATMs. The account does not earn interest.

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