How to apply for First Citizens Bank

Opening an Account with First Citizens Bank: A Step-by-Step Guide

First Citizens Bank, a family-owned institution with a century-long history, has become synonymous with trust and reliability. With over 500 branches spread across 21 states, the bank has established itself as a reputable financial partner for individuals and businesses alike.

Boasting an A+ rating from the Better Business Bureau and a clean track record, First Citizens Bank offers a variety of checking account options to cater to different needs. Let’s take a closer look at some of their offerings:

Enjoy the Benefits of First Citizens Bank Checking Accounts

Free Checking:

As the name suggests, this account has no monthly maintenance fee or minimum balance requirement. It also provides free online banking, mobile banking, and bill pay services.

Premier Checking:

For those seeking an interest-earning account, Premier Checking offers that and more. It includes additional benefits such as free checks and a discount on safe deposit boxes. However, there is a monthly maintenance fee that can be waived by maintaining a minimum balance.

Prestige Checking:

Prestige Checking is designed for individuals who want higher interest rates and a range of additional benefits. This account offers free ATM transactions, unlimited free checks, and more. However, it comes with a higher minimum balance requirement and a monthly maintenance fee.

When considering opening an account with any bank, it is crucial to carefully review the account’s terms and fees to ensure it aligns with your needs.

How to Get Started with First Citizens Bank

Opening an account with First Citizens Bank is a straightforward process that can be done through various methods: online, by visiting a local branch, or by calling the bank. If you choose to open your account online, follow these simple steps:

1. Go to the First Citizens Bank website and click on the “Open an Account” button.
2. Provide the required personal details, such as your name, address, and social security number.
3. Follow the prompts to complete the account opening process.

Once your account is open, you can enroll in Digital Banking to manage your account online. Simply click the “Enroll Now” link on the First Citizens Bank homepage. If you have any questions or need assistance, you can always reach out to First Citizens Bank by phone or visit a local branch.

Explore BMO Harris Bank for more Checking Account Options

If you’re still exploring your options, consider BMO Harris Bank, another reliable institution that offers a range of checking account choices:

Smart Advantage Checking:

Experience the benefits of no monthly maintenance fee and unlimited transactions at over 40,000 fee-free ATMs nationwide. You can also opt for paperless statements at no extra cost.

Smart Money Checking:

This account has a monthly maintenance fee of $5, but it can be waived if you’re under 25. With Smart Money Checking, you’ll enjoy no overdraft fees and the option to choose paperless statements to avoid additional charges.

Relationship Checking:

For those seeking a more tailored banking experience, Relationship Checking offers packages with added benefits based on your banking activity. The Silver package, for example, provides ATM surcharge fee rebates, unlimited transactions at non-BMO ATMs, and access to Mastercard ID Theft Protection. You can also earn interest on your checking balance and benefit from a mortgage closing cost credit and a home equity interest rate discount.

In addition to their checking accounts, BMO Harris Bank also offers the Savings Builder Account, which comes with no monthly maintenance charges. You’ll receive a $5 bonus each month when you save $200 or more during the first year.

If you’re interested in exploring further, click the button below to learn more about BMO Harris Bank and its offerings.

Written by

Claire Harrison