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First Citizens Bank vs Wells Fargo

First Citizens Bank is a full-service bank with waivable fees and low APYs. How does it compare to Wells Fargo? 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 Wells Fargo is one of America's largest banks with over 5,400 locations and 13,000 ATMs. Offers many checking options, including Teen Checking and Opportunity Checking for those who had financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.

Compare First Citizens Bank with Wells Fargo, side-by-side. Read on for an in-depth look, including ratings and reviews.

 First Citizens Bank
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First Citizens Bank

Wells Fargo

SPECIAL OFFER
Free Checking - Learn More

Read First Citizens Bank Review

SPECIAL OFFER
Personal Checking Account - $325 Bonus - Learn More

Read Wells Fargo Review

 

Benefits and Features

Savings 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, or primary account owner is 24 years old or under
CD Standard Term CD: 0.10% to 2.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Bonus of up to 2.51% APY if you maintain a linked Portfolio by Wells Fargo relationship.
Checking Clear Access Banking, Everyday Checking, Portfolio by Wells Fargo
Money Market Also known as the Platinum Savings Account. 0.25% - 2.00% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 2.01% requires account linked to Portfolio by Wells Fargo relationship.
Customer ServiceMonday to Sunday 7:00AM - 11:00PM (ET)Available 24 hours a day, 7 days a week.
ATMs More than 13,000 ATMs across the country.
IRA CD Standard Term CD: 0.01% to 2.50% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Bonus of up to 2.51% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
IRA Money Market 0.01% APY. $100 minimum opening deposit.
LocationsOver 500 branches across 19 states.Approximately 5,400 retail banking branches coast to coast.
 

CreditDonkey® Reviews

 First Citizens Bank
SavingsStarEmpty StarEmpty StarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf 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
Bottom LineFull-service bank with waivable fees and low APYs... Read full review Read full review
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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.

Wells Fargo: Pricing information from published website as of 11/05/2022 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 Wells Fargo?

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.


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 Wells Fargo

Wells Fargo Bank Review

Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.

Wells Fargo Bank Hours

Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.

Wells Fargo Routing Number

Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

Which Do You Think is Best?





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