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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

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

Free Checking

  • $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.

Premier Checking

  • 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

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

Certificate of Deposit

TermAPY
6-Month0.01%
12-Month0.01%
18-Month0.02%
2-Year0.05%
3-Year0.05%
4-Year0.15%
5-Year0.15%

  • Minimum Deposit to Open: $500

Money Market

  • 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

  • APY: Up to 0.15%
  • Minimum Deposit to Open: $500
  • Monthly Fee: $0
High-Yield Savings Premier - 4.30% APY

High-Yield Savings Premier - 4.30% APY

  • No account fees
  • Option to open individual or joint account
  • FDIC insured up to $250,000 per depositor
  • Only $500 minimum opening deposit
The annual percentage yield (APY) is accurate as of January 24, 2025 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC
  • APY: 4.30%
  • Minimum Deposit to Open: $500
  • Balance Requirement: $0.01
  • Monthly Fee: $0
Bank of America
Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

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.
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 4.30% APY

  • 4.30% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
  • APY: 4.30% APY with a balance of $5,000 or more
  • Minimum Deposit to Open: $100
  • Balance Requirement: $0; $5,000 to earn the highest APY
  • Monthly Fee: $0
Chase
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 4/16/2025
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • 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*
  • 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.
Discover Bank
Member FDIC

Online Checking Account - Earn Cash Back

  • 1% cash back on up to $3,000 in debit card purchases each month. See website for details
  • No fees
  • Early Pay - Get your paycheck up to two days early with no charge
  • No credit impact - You can apply without affecting your credit score.
  • Access to over 60,000 no-fee ATMs in the U.S.
  • APY: N/A
  • Minimum Deposit to Open: $0
  • Balance Requirement: $0
  • Monthly Fee: $0

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

5.00%

11-Month CD - 5.00% APY

Expired 8/11/2024

Pricing information from published website as of 11/25/2024.

 

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 10-14 month. 2.75% - 4.00 APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for 14-Month and $25000 for 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 ServiceMonday 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
537 branches
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 11/25/2024.

Citizens Bank: Pricing information from published website as of 01/02/2025 based on 10011 zip code.


First Citizens Bank Alternatives

CIT Bank
Member FDIC

CIT Bank Savings Connect - 4.00% APY

  • Earn 9x the national average
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
  • APY: 4.00%
  • Minimum Deposit to Open: $100
  • Balance Requirement: $0
  • Monthly Fee: $0
Bank of America
Member FDIC

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

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
HSBC
Member FDIC

HSBC Premier - Earn Up to $3,000

Expires 2/21/2025

Start an HSBC Premier relationship today. Earn up to $3,000 when you open a Premier checking and Premier Relationship Savings account by February 28, 2025 and complete qualifying activities

Here's what you get with an HSBC Premier relationship

  • Access to wealth products, insights and advice from an HSBC Wealth Relationship Manager through HSBC Securities (USA) Inc.*
  • 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.

How the offer works
You could earn up to $3,000 when you open a Premier checking and Premier Relationship Savings account by February 28, 2025 and complete qualifying activities. Add New Deposits to your Premier Relationship Savings account by March 31, 2025 and maintain your Premier Relationship Savings balance through June 30, 2025.

  • Get a $1,000 Cash Bonus: Add and maintain New Deposits of $100,000 to $249,999
  • Get a $2,000 Cash Bonus: Add and maintain New Deposits of $250,000 to $499,999
  • Get a $3,000 Cash Bonus: Add and maintain New Deposits of $500,000+

Steps to qualify for the Cash Bonus

  • Open a Premier checking account.
  • Open a Premier Relationship Savings account by February 28, 2025.
  • Add New Deposits of $100,000 or more into your Premier Relationship Savings account by March 31, 2025.
  • Maintain $100,000 or more in your Premier Relationship Savings account through June 30, 2025.

If all offer requirements are met, the Cash Bonus will be deposited into your Premier Relationship Savings account by August 29, 2025.

  • Minimum Deposit to Open:
    • 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
  • 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
Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

Expires 4/16/2025
  • 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 $40 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.
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

Expires 3/13/2025

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.

  • APY: 3.75%

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 Problems

First Citizens Bank provides affordable banking with fee-free checking and savings options. However, they may not be available for you.

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More Bank Promotions

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CIT Bank
Member FDIC

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CIT Bank Platinum Savings
Bank of America
Member FDIC

Bank of America Promotions

Bank of America Advantage Banking - $300 Bonus Offer
HSBC Bank
Member FDIC

HSBC Promotion

HSBC Premier - Earn Up to $3,000
Chase
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Chase Coupon

Chase Bank $300 Bonus

About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

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.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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