Relationship Checking

Rewarding your banking relationship with exclusive benefits

At First Citizens, we understand the complexities and fast pace of your life. That's why our Relationship Checking account offers a range of exclusive, preferred customer benefits, with a focus on making your banking easy and convenient.

As a Relationship Checking customer, you'll enjoy...

  • Daily compounding interest with a tiered interest rate structure
  • Free personalized custom checks (wallet style)
  • Free rental on a 3×5 safe deposit box (if available) while your account is open
  • Free Visa® Check Card with Visa Extras reward points
  • Free Online Banking and Bill Pay service1
  • No issuance fee on cashier's checks2, money orders2 and traveler's checks
  • Free notary service
  • Three transactions per statement cycle at other bank's ATMs with no First Citizens fee3
  • Overdraft protection available with no annual fee (subject to approval)
  • $100 minimum deposit to open

It's easy to qualify

You can enjoy Relationship Checking with no monthly maintenance fee if you maintain:

  • a $2,500 minimum daily balance in your Relationship Checking or related savings account, OR
  • a combined minimum daily balance of $10,000 in Relationship Checking, savings, CD, IRA and money market accounts, OR
  • a Real Estate Loan with an initial amount of $25,000, originated by or through First Citizens Mortgage, OR
  • certain types of consumer loans with a balance of $25,000 or greater, OR
  • a Home Equity Line of Credit with a line amount of $10,000 or greater.

1 No monthly service fee and no fee per bill payment.

2 A total of three money orders and/or cashier's checks per month may be purchased free of the issuance fee.

3 When you make a transaction, including a balance inquiry, at an ATM not owned by First Citizens, you may be charged a fee by the ATM owner or operator.