First Citizens Personal Checking Account full review
First Citizens offers different checking account options so you can choose the best for you! Read the full review!
by Aline Augusto
First Citizens Personal Checking Account: from free option to VIP experience
The First Citizens bank offers different types of personal accounts, including a free option with basic features. Let’s check this First Citizens Personal Checking Account review!
This bank has been operating for more than 12 years. Besides the solutions for individuals, First Citizens provides financial products and services for businesses.
In 2022, the bank merged with CIT, which allowed it to become one of the top 20 banks based in the US regarding asset size.
Now, keep reading our First Citizens Personal Checking Account review to take a look at the personal checking account options it offers and choose the best for you!
How does the First Citizens Personal Checking Account work?
First Citizens bank offers three different types of checking accounts to serve all profiles, needs, and goals.
Firstly, the basic checking option charges a $0 monthly fee when you settle for paperless statements.
It requires a $50 minimum deposit and allows free digital banking access and card alerts.
However, the basic checking option doesn’t offer other features like free overdraft transfers, free use of out-of-network ATMs, free checks, and a reloadable debit card.
On the other hand, if you want an option with more features, Premier Checking might be worth considering.
In summary, this account offers interest earnings, free checks, free digital banking & card alerts, and a reloadable debit card.
But it requires a $100 minimum deposit and an $18 monthly fee that can be waived by following some criteria like minimum balance.
Thirdly, Prestige Checking gathers perks and VIP experiences. This account option allows you to get the best rates on CDs and EquityLines, and free access to a wide range of ATMs.
Also, it features free overdraft transfers, free checks, a reloadable debit card, and much more.
Although it charges a monthly fee of $25, it can be waived if you meet some requirements like minimum daily balance.
Furthermore, it requires a minimum deposit of $100.
First Citizens Personal Checking Account benefits
First Citizens bank is a well-known financial institution that offers many solutions for both individuals and businesses.
Personal checking accounts are divided into three options: basic checking, premier, and prestige checking.
So, in case you want a free option, you might enjoy the basic checking. On the other hand, if you want VIP experiences, prestige checking might be an excellent option.
In case you want a reasonable option, the premier checking might be worth considering.
Therefore, First Citizens offers all for every profile, need, and goal.
- First Citizens is a reliable bank with many years of experience;
- The personal checking account is divided into three options, which allows you to decide which one fits your needs better;
- There is a free option of account with basic features;
- The monthly fees can be waived by following some requirements;
- The bank offers a wide ATM network.
- The basic and free account lacks some traditional banking features;
- Premier and Prestige charge monthly fees and the requirements for waiving them are relatively large.
How good does your credit score need to be?
Although this information is not fully disclosed, it is recommended you work on your creditworthiness to get better financial products, including accounts.
Even though you may be able to open a checking account with bad credit, it is crucial to make a plan to build a solid financial history.
How to apply for a First Citizens Personal Checking Account?
Now, learn how to choose your personal checking account and open it. Check out our next post to start enjoying the benefits.
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