First Citizens Bank Promotions

Read our in-depth review of First Citizens Bank to see why First Citizens Bank scored 2.9 stars out of 5. We like their low opening deposit on some accounts, monthly fees can be waived, and overdraft protection available.

If you're looking for bank promotions, you must check out these offers.

Online Savings

Open Online Savings Account

APY: 0.10%
Minimum Deposit to Open: $50
Balance Requirement: $0
Monthly Fee: $0

Free Checking

Open Free Checking Account

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

APY: N/A
Minimum Deposit to Open: $50
Balance Requirement: $0
Monthly Fee: $0 (when enrolled in paperless statements)

$25

Savings Account - $25 Bonus

Open a new Coverdell Education Savings account within 60 days of enrolling in Your Family First. Minimum opening deposit of $250 per account is required to obtain the reward.

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Premier Checking

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APY: 0.05%
Minimum Deposit to Open: $100
Balance Requirement: $0
Monthly Fee:
$18 monthly fee can be waived with one of the following:
- $5,000 combined daily balance on select accounts
- At least $4,000 in monthly ACH direct deposits
- Equity line of at least $25,000
- $10,000+ original consumer loan

Prestige Checking

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APY: 0.05%
Minimum Deposit to Open: $100
Balance Requirement: $0
Monthly Fee:
$25 monthly fee can be waived with one of the following:
- $25,000 combined daily balance on any First Citizens deposit account
- At least $6,500 in monthly ACH direct deposits
- EquityLine of at least $100,000
- $25,000+ original consumer loan

Basic Business Checking

$0 monthly fee
$100 opening deposit
100 free transactions each month
$5,000 in cash deposits processed free each month

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Minimum Deposit to Open: $100
Balance Requirement: $0
Monthly Fee: $0

Compare Business Promotions:

Certificate of Deposit

Term	APY
6-Month	0.01%
12-Month	0.01%
18-Month	0.02%
2-Year	0.05%
3-Year	0.05%
4-Year	0.15%
5-Year	0.15%

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Minimum Deposit to Open: $500

Money Market

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APY: Up to 0.15%
Minimum Deposit to Open: $500
Balance Requirement: $0
Monthly Fee: $10 maintenance fee unless you maintain a $1,000 daily balance

CD

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APY: Up to 0.15%
Minimum Deposit to Open: $500
Monthly Fee: $0

Compare CD Promotions:

Compare Promotions

High-Yield Savings Account - 4.31% APY

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$1 minimum deposit
No fees
24/7 online access to funds
FDIC insured

APY: 4.31%
Minimum Deposit to Open: $1
Monthly Fee: $0

Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

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Expires 5/31/2025

The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
The offer is for new checking customers only.
Offer expires 05/31/2025.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC.

Wells Fargo Everyday Checking Account - $325 Bonus

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Expires 7/8/2025

Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
Wells Fargo Bank, N.A. Member FDIC

Member FDIC

CIT Bank Platinum Savings - $300 Bonus

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Transfer a one-time deposit of $50,000+ for a Bonus of $300
4.10% APY with a balance of $5,000 or more
0.25% APY with a balance of less than $5,000
No monthly maintenance fee
Member FDIC

APY: 4.10% APY with a balance of $5,000 or more
Minimum Deposit to Open: $100
Monthly Fee: $0

Terms and Conditions

Member FDIC

Chase Total Checking® - $300 Bonus

Open an Account

Expires 7/16/2025

New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
Chase Mobile^® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
Open your account online now
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

APY: N/A
Minimum Deposit to Open: $0
Monthly Fee:
$12 or $0 with one of the following, each monthly statement period:
- Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
- OR a balance at the beginning of each day of $1,500 or more in this account,
- OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.

First Citizens Bank Offers You May Have Missed

Don't miss another hot deal. Check back often at CreditDonkey.

5.00%

11-Month CD - 5.00% APY

Go to First Citizens Bank Website

Expired 8/11/2024

In-Depth Review

Highlights

Customer Service
Monday to Sunday 7:00AM - 11:00PM (ET)

Compare: First Citizens Bank vs Chase

Locations
over 600 branches in 22 states

Compare: First Citizens Bank vs Wells Fargo

Pricing information from published website as of 04/18/2025.

	First Citizens Bank	Citizens Bank
	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 5-10 month. 3.50% - 4.15% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25000 for 5-Month and 10-Month online CD.
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.
ATMs		3,300+ ATMs across 14 states
Customer Service	Monday to Sunday 7:00AM - 11:00PM (ET)	24/7 Telephone Customer Service
IRA CD		Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	over 600 branches in 22 states	1,000+ branches in 14 states
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 04/18/2025. Citizens Bank: Pricing information from published website as of 05/17/2025 based on 10011 zip code.

First Citizens Bank Alternatives

Wells Fargo Everyday Checking Account - $325 Bonus

Learn More

Expires 7/8/2025

Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
Wells Fargo Bank, N.A. Member FDIC

Member FDIC

CIT Bank Platinum Savings - $225 Bonus

Get Deal

Transfer a one-time deposit of $25,000 - $49,999.99 for a Bonus of $225
4.10% APY with a balance of $5,000 or more
0.25% APY with a balance of less than $5,000
No monthly maintenance fee
Member FDIC

APY: 4.10% APY with a balance of $5,000 or more
Minimum Deposit to Open: $100
Monthly Fee: $0

Terms and Conditions

Member FDIC

Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer

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Expires 12/31/2025

The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
The offer is for new eligible business checking customers only.
Offer expires 12/31/2025.
To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
Additional terms and conditions apply. See offer page for more details.
*New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
Bank of America, N.A. Member FDIC

Member FDIC

HSBC Premier

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Start an HSBC Premier relationship when you open a Premier checking account

Easily open an account online, from the comfort of your home.
Manage your banking needs across different time zones, with 24/7 support.
Manage your money around the world - from global transfers to multi-currency needs.
New to the U.S.? Build your U.S. credit history with one of our credit cards. Or, if you're buying a new home, you can use your international credit history to apply.
Go beyond banking with special offers, referrals for tax advice, relocation services, and more.

Includes products and services offered by HSBC Securities (USA) Inc.

Global opportunities: We provide market views and insights from around the world to help you make more informed investment decisions.
Wealth products, insights and advice from an HSBC Wealth Relationship Manager
Investment support: Your HSBC Wealth Relationship Manager is available to discuss your portfolio and financial goals

Monthly Fee:
$50 monthly maintenance fee, unless eligibility criteria is met:
- Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR
- Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
- Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included.
- Consumers who maintain Private Bank status

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Get $100 Coupon

Expires 7/16/2025

New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
Chase Secure Banking℠ customers told us they save an average of more than $60 per month on fees after opening their account.
Pay bills, cash checks and send or receive money with Zelle^® with a Chase Secure Banking℠ account.
Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile^® app and Chase.com.
JPMorgan Chase Bank, N.A. Member FDIC.

APY: N/A
Minimum Deposit to Open: $0
Monthly Fee: $4.95 or $0; Avoid the monthly service fee when you have electronic deposits made into the account totaling $250 or more during each monthly statement period.

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.