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First Citizens Free Checking

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About First Citizens Bank Checking Accounts

The First Citizens Free Checking from First Citizens Bank is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 8.5/10. No-monthly-fee checking account from First Citizens Bank with digital bill pay, Zelle, and personalized branch relationship service.

Key highlights include 0.00% APY, a fee structure of $0 Monthly Maintenance Fee (with paperless statements), and Complimentary Personalized Financial Planning Consultation. Accounts are backed by FDIC Insured up to $250,000 and supported by First Citizens Bank's 4.7 / 5.0-rated digital banking experience.

Features

Annual Fee	$0 Monthly Maintenance Fee (with paperless statements)
Regular APR / Rate	0.00% APY
Intro Offer / Welcome Bonus	Complimentary Personalized Financial Planning Consultation
Savings APY / AER	Manage Cards, Alerts & External Transfers Online + 500+ Branches
Minimum Deposit	$50 Minimum Opening Deposit
Foreign Transaction Fee	3% Foreign Transaction Fee
Deposit Insurance	FDIC Insured up to $250,000
Mobile App Rating	4.7 / 5.0
Overall Rating	8.5 / 10

About Product

Annual / Monthly Fee: $0 Monthly Maintenance Fee (with paperless statements)
APR / APY Rate: 0.00% APY
Intro Offer / Bonus: Complimentary Personalized Financial Planning Consultation
Key Benefits: Manage Cards, Alerts & External Transfers Online + 500+ Branches
Minimum Requirement: $50 Minimum Opening Deposit
Foreign Transaction Fee: 3% Foreign Transaction Fee
Protection: FDIC Insured up to $250,000

Pros

Rate / APR / APY: 0.00% APY
Fee Structure: $0 Monthly Maintenance Fee (with paperless statements)
Welcome Offer / Benefit: Complimentary Personalized Financial Planning Consultation
Rewards & Highlights: Manage Cards, Alerts & External Transfers Online + 500+ Branches

Cons