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.
Online Savings
- APY: 0.10%
- Minimum Deposit to Open: $50
- Balance Requirement: $0
- Monthly Fee: $0
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
| 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% |
- 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
Compare Promotions
CIT Bank Platinum Savings - $300 Bonus
- Qualify for a $300 cash bonus with a minimum deposit of $50,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
- APY: 3.75% APY with a balance of $5,000 or more
- Monthly Fee: $0
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 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 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- 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
- 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
CIT Bank Platinum Savings - $225 Bonus
- Qualify for a $225 cash bonus with a minimum deposit of $25,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
- APY: 3.75% APY with a balance of $5,000 or more
- Monthly Fee: $0
CIT Bank Platinum Savings - 3.75% APY
- 3.75% 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: 3.75% 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
First Citizens Bank Offers You May Have Missed
Don't miss another hot deal. Check back often at CreditDonkey.
Free Checking
- $0 monthly fee when you enroll in paperless statements
- $50 minimum opening deposit
- No minimum balance
Highlights
Monday to Friday: 8:00AM - 9:00PM (ET)
Saturday and Sunday: 8:00AM - 8:00 PM (ET)
over 500 branches in 23 states
Pricing information from published website as of 01/16/2026.
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 7-14 month. 3.10% - 3.80% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 7-Month and $1,000 for 14-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 | ||
| Customer Service | Monday to Friday: 8:00AM - 9:00PM (ET) Saturday and Sunday: 8:00AM - 8:00 PM (ET) | 24/7 Telephone Customer Service |
| IRA CD | Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. | |
| Locations | ||
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 01/16/2026. Citizens Bank: Pricing information from published website as of 01/04/2026 based on 10011 zip code. | ||
First Citizens Bank Alternatives
Wells Fargo Everyday Checking Account - $325 Bonus
- 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
CIT Bank Savings Connect - 3.65% APY
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
- APY: 3.65%
- Minimum Deposit to Open: $100
- Balance Requirement: $0
- Monthly Fee: $0
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash 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 12/31/2026.
- To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America 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 Premier - Earn Up to $7,000
- Send and receive money with Zelle® right from our mobile app
- Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
- Enjoy peace of mind with unique travel benefits available through our credit cards
Here's how the offer works: Open a new HSBC Premier checking account by March 31, 2026. Add New Assets to your Premier checking account, Premier Savings account, Premier Relationship Savings account, Managed Portfolio Account and/or Spectrum account (Eligible Accounts) by March 31, 2026, and maintain the New Assets through June 30, 2026.
- Get a $1,500 Cash Bonus: Add and maintain New Assets of $150,000 to $249,999
- Get a $2,500 Cash Bonus: Add and maintain New Assets of $250,000 to $499,999
- Get a $3,500 Cash Bonus: Add and maintain New Assets of $500,000 to $999,999
- Get a $7,000 Cash Bonus: Add and maintain New Assets of $1,000,000+
If all offer requirements are met, the bonus will be paid by August 31, 2026.
- 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.
U.S. Bank Business Essentials - $400 Bonus
Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC
- Minimum Deposit to Open: $100
- Monthly Fee: $0 monthly maintenance fee
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