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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 550 branches in 19 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
 Visit SiteLearn More
 

First Citizens Bank

Bank of America

SPECIAL OFFER
Free Checking - Learn More

Read First Citizens Bank Review

SPECIAL OFFER
Bank of America Advantage Plus Banking® - $100 Bonus Offer - Learn More

Read Bank of America Review

 

Benefits and Features

Savings 
Check
CD 
Check
Checking 
Check
Customer ServiceMonday to Sunday 7:00AM - 11:00PM (ET)
  • Mon-Fri: 8am - 9pm (ET)
  • Sat: 8am - 8pm (ET)
  • Sun: 8am - 5pm (ET)
ATMs 
Approximately 17,000 ATMs
IRA CD 
Check
LocationsOver 500 branches across 19 states.Approximately 4,300 retail financial centers
 

CreditDonkey® Reviews

 First Citizens Bank
SavingsStarEmpty StarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarHalf StarEmpty StarEmpty Star
Customer ServiceStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
CDStarStarEmpty StarEmpty StarEmpty Star
Pros & ConsPros:
  • Low opening deposit on some accounts
  • Monthly fees can be waived
  • Overdraft protection available
Cons:
  • Low APYs
  • Only available in 19 states
Pros:
  • Large branch network
  • Extended customer service hours
  • Full service banking
Cons:
  • No free checking option
  • Low interest rates
  • Many miscellaneous banking fees
Bottom LineFull-service bank with waivable fees and low APYs... Read full reviewNational bank with widespread accessibility and wide range of services... Read full review
 Visit SiteLearn More

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 10/03/2021.

Bank of America: Pricing information from published website as of 3/25/2022 based on 91107 zip code.

First Citizens Bank
Member FDIC

Free Checking

  • $0 monthly fee when you enroll in paperless statements
  • $50 minimum opening deposit
  • No minimum balance

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.


Articles on First Citizens Bank

First Citizens Bank Review

First Citizens Bank offers many account options with low opening deposits and fees. But there are downsides. Find out if First Citizens is a good bank for you.

Articles on Bank of America

Bank of America Review

Bank of America is a national bank with many account options and user-friendly online banking. But does this convenience come at a cost? Read on.

How to Close a Bank of America Account

Want to close your Bank of America account? Learn how and what you need to do before you close your account.

Bank of America Hours

Bank of America is open 5-6 days a week, depending on the location. Take a look at their business hours below.

Bank of America Routing Number

Find your Bank of America routing number and learn about money transfers in our guide.

Which Do You Think is Best?





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About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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