First Citizens Bank Prestige Checking Account

With the Prestige Checking, you'll:

  • earn interest on your balance,
  • get free ATM access across the U.S.,
  • enjoy preferred rates on First Citizens lines of credit and CDs.
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The First Citizens Bank Prestige Checking Account is designed for those who prefer using checks and cash, as it offers free checks, as well as fee-free access to both First Citizens and non-First Citizens ATMs (unless using ATMs outside the United States).

This checking account also comes with higher purchase and ATM limits, but also slightly heavier monthly fee waiver requirements, making it more of a choice of "wealthier" customers who are also big spenders. Otherwise, the First Citizens Prestige Checking doesn't differ much from the First Citizens Premier Checking, the latter having less perks, but also a lower monthly fee that's easier to avoid.

That said, just like any First Citizens checking account offer, the Prestige is also equipped with great digital banking tools, including Manage My Money that helps you stay on track, and monitor your finances 24/7. With the possibility to get a clear overview of your current net worth, spending, and money habits, you'll be in full control of your money. You'll be able to set and achieve your financial goals more easily, since you'll get clear information about your budget, making your decisions more accurate.

In case you ever need help with your Prestige Checking, there's an automated customer service line available 24/7, but you can also always get in touch with a First Citizens banker by visiting a First Citizens branch, by email or phone. There are also many online resources on the bank's website available for you to use, and learn about money management, and personal finances overall.

Even though the First Citizens Prestige pays interest, we've seen better APY rates elsewhere, offered by banks that charge less fees, and provide better perks and additional services. However, this is not to say the Prestige Checking is bad, to the contrary. Equipped with all you need for basic banking, including many money transfer options, account management alerts, and a mobile app, all protected using advanced technology, the Prestige Checking's got you covered. However, we do recommend shopping around some more. Unless you really want to bank with First Citizens, we don't see any particular reason that makes this checking account reaally stand out.

Checking account details

Checking account fees

  • Monthly Fee
    $25 (can be waived)
  • APY
    0.01%
  • Minimum Deposit to Open
    $100
  • Out-of-Network ATM Transaction Fee
    $0
  • Out-of-Network ATM Withdrawal Fee
    $0
  • Overdraft Fee
    $36
  • Non-Sufficient Funds Fee
    $36
  • Foreign Transaction Fee
    3%

First Citizens Bank Prestige Checking Account FAQ

1. Do I have to live in the United States to open a Premier Checking with First Citizens Bank?

Yes, only legal U.S. residents and U.S. resident aliens aged 18+, and residing in a state served by First Citizens can open a Prestige Checking account with the bank.

2. Where does First Citizens Bank operate?

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.

For exact locations of First Citizens' branches and ATMs, you can use their locator.

3. Which First Citizens deposit accounts are eligible for monthly fee waiver requirements?

If you have at least $25,000 in combined daily balance on any First Citizens deposit account, you'll qualify for a monthly fee waiver. These accounts can be Prestige Checking, Together Card, Regular Savings, Bonus Savings, Online Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account.

4. What First Citizens consumer loans qualify for the monthly fee waiver?

You can get basically any First Citizens consumer loan of at least $25,000, 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).

5. What is a First Citizens Together Card?

The First Citizens Together Card is a reloadable debit card that works as a standalone deposit account. This means you can manage it independently of your Prestige Checking.

A major benefit of the Together card is that it's great for families or couples who'd like to share budget but still keep their checking accounts separate. It's also a great opportunity for kids to learn how to manage their money with their parents still being in control of the spending. Plus, you can also set up card alerts, so you always know when a card transaction occurs, which not only controls the use of the card, but also adds an additional layer of security to it.

The Together Card is offered to you free of charge, and you can get as many Together cards as you want.

6. How can I add funds to my Together card?

You can add funds to your Together card by transferring money from your First Citizens Prestige Checking, making a cash deposit at an ATM or a branch or even by making a mobile check deposit.

Usually, the funds will be available immediately for you to use.

7. What happens if I don't have enough money in my Together card account to cover a transaction?

In case you don't have enough money in your Together card account, normally, the transaction you're trying to make will be declined, and you won't be charged any overdraft fees. Even if the transaction is successful, you still won't be charged an overdraft fee, although you do need to make a deposit immediately to cover the deficit.

On the other hand, you may be charged an insufficient funds (NSF) fee of $36 in case of a returned checked or a rejected preauthorized electronic withdrawal.

8. How do I avoid overdraft transfer fees?

You can only avoid overdraft transfer fees if you have a linked Savings Overdraft Protection or Checkline Reserve to your First Citizens Prestige Checking.

9. What is Manage My Money?

Manage My Money by First Citizens is a money management tools that helps you always be in control of your First Citizens and other bank accounts. With the possibility to pool all of your bank accounts 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.

10. Where can I find First Citizens routing number?

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.

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Check Out Other Products From First Citizens Bank
Bank Monthly Service Charge Minimum Deposit to Open APY
First Citizens Bank Free Checking Account $0* $50 0.00%
First Citizens Bank Premier Checking Account $18 (can be waived) $100 0.01%
First Citizens Bank Prestige Checking Account $25 (can be waived) $100 0.01%
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