Checking

Greenlight - The Debit Card for Kids, Managed by Parents

Join 6+ million parents and kids learning to earn, save, and spend wisely — together. We are partnering with Greenlight to offer it for FREE to our checking account customers.

Full Details & Register

Let's Find the Checking Account for You

Answer the following questions for an account recommendation OR browse our checking account options below.

Are you opening your first checking account?

Our Checking Account Options

Checking Plus

Earn interest on your account balance
Free First Citizens debit card¹
Ka'Ching Debit Card Rewards
Use your First Citizens debit card and receive up to $10.00 a month²
Maintain a $1,500 average collected balance, and we'll waive the $8 monthly fee*
Register for Greenlight family wallet³

Learn More About Checking Plus

Basic Checking

First Citizens debit card¹
Maintain an average collected balance of $50, and we'll waive the $7 monthly fee.*
$5.00 Monthly Paper Statement Fee*
Sign up for eStatements within online or mobile banking to waive fee.
Register for Greenlight family wallet³

Learn More About Basic Checking

First Checking

No minimum to open
No monthly fee
No minimum daily balance
Free First Citizens debit card with $250/day limit¹
$10.00 Monthly Paper Statement Fee*
Sign up for eStatements within online or mobile banking to waive fee.
Register for Greenlight family wallet³

Learn More About First Checking

Checking Account Comparison

Comparison table of personal checking accounts
	Checking Plus Account Details Open Online	Basic Checking Account Details Open Online	First Checking For Ages 13 - 25 Account Details Open Online
Interest on your Checking Balance Our best checking rate.
Digital Banking Tools Online Banking, Mobile Banking, Pay Your Bills, and eStatements.
Free Debit Card¹ Everyday transactions made easy.			$250/Day Limit
Ka'Ching Debit Card Rewards² Use your First Citizens Bank debit card and receive up to $10.00 a month.
Enroll in eStatements Receive your statements electronically via Online & Mobile Banking.	Paper Statement Fee waived.	Enroll in eStatements to avoid the $5.00 monthly paper statement fee.*	Enroll in eStatements to avoid the $10.00 monthly paper statement fee.*
Greenlight Family Wallet³ Debit card for kids, managed by parents.
Fee Details	Maintain a $1,500 average collected balance, and we'll waive the $8 monthly fee.*	Maintain an average collected balance of $50, and we'll waive the $7 monthly fee.*	No monthly fee. No minimum daily balance.
Online Account Opening	Checking Plus Open Online	Basic Checking Open Online	First Checking Open Online

* Plus tax as applicable.
1 Must meet current underwriting guidelines.
2 First Citizens Bank reserves the right to change or discontinue this program at any time without further notice.
3 The Greenlight card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. First Citizens Bank customers are eligible for the Greenlight SELECT plan at no cost when they connect their First Citizens Bank checking account as the Greenlight funding source for the entirety of the promotion. Subject to minimum card load requirements and identity verification. Upgrades will result in additional fees. Plans start at $5.99/mo. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 06/02/2030. Offer subject to change or renewal.