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First Citizens Bank vs Citizens Bank

First Citizens Bank is a full-service bank with waivable fees and low APYs. How does it compare to Citizens Bank? 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 Citizens Bank has over 1,100 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

Compare First Citizens Bank with Citizens Bank, 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

Citizens Bank

SPECIAL OFFER
Free Checking - Learn More

Read First Citizens Bank Review

SPECIAL OFFER
Personal Checking Account - $300 Bonus - Learn More

Read Citizens Bank Review

 

Benefits and Features

Savings Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
CD Several types of CD accounts. Terms ranging from 14-month. 2.75% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
Money Market Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
Customer ServiceMonday to Sunday 7:00AM - 11:00PM (ET)24/7 Telephone Customer Service
ATMs More than 3100 ATMs across 11 states.
IRA CD Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
LocationsOver 500 branches across 19 states.Approximately 1,018 branches across the country
 

CreditDonkey® Reviews

 First Citizens Bank
SavingsStarEmpty StarEmpty StarEmpty StarEmpty StarStarStarStarStarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Customer ServiceStarStarStarEmpty StarEmpty StarStarStarStarStarStar
Mobile AppStarStarStarStarHalf StarStarStarStarHalf StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarEmpty 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:
  • One Deposit Checking
  • GoalTrack Savings
  • 24/7 customer service
Cons:
  • Low APY
  • Heavy overdraft fees
  • Limited branches
Bottom LineFull-service bank with waivable fees and low APYs... Read full reviewEast Coast bank with solid deposit products to help meet goals... 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.

Citizens Bank: Pricing information from published website as of 03/25/2022 based on 10011 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 Citizens Bank?

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: First Citizens Bank's mobile app is worth mentioning. Citizens Bank's savings, checking, and customer service are worth mentioning. In particular, the customer service is impressive.


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 Citizens Bank

Citizens Bank Review

Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.

Which Do You Think is Best?





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