First Citizens Bank Premier Checking Account

Any U.S. citizen or U.S. resident alien aged 18+ and residing in a region served by First Citizens can open a Premier Checking account with First Citizens Bank.

At the moment of application, you'll be asked to provide your personal information, including your name, address, government-issued ID, and SSN.

You will find First Citizens branches and ATMs across Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, Mexico, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and Wisconsin.

You can apply for the First Citizens Premier Checking online. However, if you prefer, you can visit your local First Citizens Bank branch, and open a checking account with the help of their bankers.

A combined balance is the total amount of money you keep in your First Citizens bank accounts. One of the ways to have the $18 monthly fee waived on the Premier Checking is to keep a combined daily balance in your Primary Checking, and other eligible First Citizens accounts, including Together Card, Regular Savings, Bonus Savings, Online Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs, or an Investor Services Account.

Basically, any First Citizens consumer loan, such as auto/vehicle purchase loans (new or used auto, light or heavy truck, boat, aircraft), unsecured personal loan, or mortgage (excludes mortgages that First Citizens Bank does not retain servicing). The important thing is that its original amount be of at least $10,000.

Manage My Money by First Citizens is a money management tools that helps you always be in control of your First Citizens bank accounts. If you have bank accounts with other banks or financial institutions, you can add those accounts as well. With the possibility to pool them all together, you'll be able to track your balances, spending, and overall financial behavior 24/7. Whether you want to see your net worth, manage debt, get a glimpse into your past transactions to know where your money went or simply watch your progress and trends over time - Manage My Money will let you do all of that, and more. In a couple of clicks, through various interactive, colorful charts, and graphs, your financial data are accessible and presented to you in a simple and fun way, so you can understand them easily and make better financial decisions.

You can withdraw up to $600 per day from your Premier Checking.

The First Citizens Together Card is a reloadable debit card similar to a prepaid card, but safer.

It's great if you'd like to help your child build smart financial habits with your still being in control of your budget. You can add funds to the Together card in various ways, such as by transferring money from your First Citizens Premier account or by depositing money directly at a branch. You can also set up spending limits to avoid overdraft fees, while card alerts would notify you of any transactions, so you can monitor the card's usage 24/7.

Since the Together card is a separate deposit account, there's no limits to the number of Together card accounts you can have!

For First Citizens Premier Checking customers, there aren't any monthly fees on the Together card, and you can open as many Together card accounts as you want. Do note there's a $50 minimum deposit required to open it.

First Citizens routing numbers may vary, depending on your location. You can find your First Citizens routing number at https://www.firstcitizens.com/support/routing-numbers.

If using personal checks, you can also find your routing number at the bottom left corner thereof.