Personal Checking Account
The best things in life really are free. Get a free checking account now.
Open an AccountDiscover that free checking feeling.
Take control of your finances by eliminating monthly fees and minimum balances, and enjoy a mobile app that lets you bank anywhere.
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Forget the fees
Enroll in paperless statements to avoid the monthly fee. 1
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No minimum Balance Never worry about maintaining a balance. |
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Bank when you want Enjoy free Digital Banking, 2 bill pay and 24/7 mobile deposits. |
Account openings and credit are subject to bank approval.
For complete list of account details and fees, see our Personal Account Disclosures. Apple, the Apple logo and Apple Pay are trademarks of Apple, Inc., registered in the US and other countries.
Samsung and Samsung Pay are trademarks of Samsung Electronics, Ltd.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1. Paperless statements are required. To be eligible for Free Checking, you must sign up to receive First Citizens paperless statements within 60 days of account opening. If you do not sign up and receive paperless statements, your account will be converted automatically and without prior notice to you to a Select Checking account and will be subject to the fees and charges applicable to a Select Checking account. The applicable fees and charges will be debited from your account without further notice to you and will appear on your account statement. If you overdraw your account, fees may apply. Refer to our Personal Account Disclosures for full details.
2. First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.
Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. 