First Citizens Bank vs Bank of America
First Citizens Bank is a full-service bank with waivable fees and low APYs. How does it compare to Bank of America? Read our comparison chart below.
First Citizens Bank is a full-service bank with over 500 branches in 23 states. It offers a basic Free Checking account with just $50 deposit. Plus, it has premium checking options, savings, loans, credit cards, and business accounts.
While Bank of America is one of the largest banks in the U.S. with approximately 4,300 locations and 17,000 ATMs. It is known for good customer service with extended hours. It offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge.
Compare First Citizens Bank with Bank of America, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
First Citizens Bank | Bank of America | |
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Free Checking - | Bank of America Advantage Plus Banking® - $100 Bonus Offer - | |
Benefits and Features | ||
Savings | ![]() | |
CD | ![]() | |
Checking | ![]() | |
Customer Service | Monday to Sunday 7:00AM - 11:00PM (ET) |
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ATMs | ||
IRA CD | ![]() | |
Locations | Over 500 branches across 23 states. | Approximately 3,800+ retail financial centers |
CreditDonkey® Reviews | ||
Savings | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
CD | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
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Bottom Line | Full-service bank with waivable fees and low APYs... | National bank with widespread accessibility and wide range of services... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. First Citizens Bank: Pricing information from published website as of 12/28/2022. Bank of America: Pricing information from published website as of 5/15/2023 based on 91107 zip code. |
Which is Better: First Citizens Bank or Bank of America?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing First Citizens Bank or Chase.
In short: Bank of America's customer service is noteworthy.