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
	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
CD
Checking
Customer Service	Monday to Sunday 7:00AM - 11:00PM (ET)	Mon-Fri: 8am - 9pm (ET) Sat: 8am - 8pm (ET) Sun: 8am - 5pm (ET)
ATMs		Approximately 16,000+ 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: Low opening deposit on some accounts Monthly fees can be waived Overdraft protection available Cons: Low APYs Only available in 23 states	Pros: Large branch network Extended customer service hours Full service banking Cons: Monthly service fee Low interest rates Many miscellaneous banking fees
Bottom Line	Full-service bank with waivable fees and low APYs... Read full review	National bank with widespread accessibility and wide range of services... Read full review
	Free Checking Online Savings Basic Business Checking	Bank of America Advantage Plus Banking® - $100 Bonus Offer Bank of America Advantage Relationship Banking® - $100 Bonus Offer Bank of America Advantage SafeBalance Banking® - $100 Bonus Offer
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.

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.

• First Citizens Bank vs CIT Bank

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.

• Bank of America vs Chase
• Bank of America vs Citibank
• Bank of America vs US Bank

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 vs Discover Bank

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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