Terms and Conditions:
Account openings and credit are subject to Bank approval.
- First Citizens does not charge fees to download or use the First Citizens Mobile Banking app, First Citizens Mobile Web, or First Citizens Text Banking. However, fees may apply for using services in Mobile Banking. Your mobile carrier may charge for data and text message usage. Check with your carrier for more information.
- For current rates, please call or visit your local branch.
- The Together Card account is a stand-alone deposit account. There is no monthly service charge for this account for Premier and Prestige account holders and is $3 for Free and Select account holders. Otherwise, a $8 monthly service charge applies.
- Service fees may be charged by the third party ATM operator or owner or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside of the United States, the fee will be 2% of the transaction amount.
- Limit of five per month.
You will receive a credit of $200.00 as a bonus when you open a new Premier or Prestige checking account, obtain a new debit card, and meet one of the following qualifiers within the first 60 days of account opening: receive a qualifying direct deposit, make 10 debit card purchases, or have 5 qualifying electronic payments. A qualifying direct deposit is defined as a deposit of $500.00 or more that is electronically deposited by an employer or an outside agency, such as a paycheck, pension, Social Security or other regular monthly income. A qualifying electronic payment is defined as completing a Bill Pay or Popmoney transaction via Personal Online Banking or Mobile Banking payable to a recipient other than the account owner(s). Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as a direct deposit or electronic payment. There is no minimum balance requirement to obtain the bonus. Bonus will be credited to the eligible account any time, at Bank's discretion, within 90 days after all conditions have been met. Account must be open and in good standing at the time Bank credits the account. Offer is available to new households who have not received a checking bonus in the last 12 months that open a new account between July 1, 2015 and November 30, 2015. The Annual Percentage Yield (APY) on Premier and Prestige checking accounts is .01% as of 7/1/15. APY is variable and may change after account opening. Fees could reduce the earnings on the account. Minimum deposit required to open a Premier or Prestige account is $100.00. Limit 1 $200.00 bonus per household. Not available at all First Citizens branches. Offer subject to change.