1st Cashback Checking

• 0.50% cash back on debit card point of sale transactions (up to $10 back per cycle)
• Refunds on out-of-network ATM surcharge fees (up to $10 per month) *If qualifications are met*
• Avoid the $4.00 monthly service charge fee by completing 15 point-of-sale debit card transactions  (15 point-of-sale debits must post and settle during month) OR maintaining a $400 minimum balance
• Online banking & bill pay
• Mobile banking with mobile deposit
• ID theft protection
• Telephone banking
• Visa® debit card
• Paper statements for $3/month (eStatements available for free)
• $25 minimum deposit to open

It’s Easy to Eliminate the Monthly Service Fee and Get Rewarded

To eliminate the monthly service fee and earn your ATM surcharge/fee refunds, you only need to meet the following monthly qualification:

• 15 or more point of sale debit card transactions must post and settle during the month (excludes ATM transactions.)

That’s it! And if you don’t qualify one month, don’t worry — you’ll still have your First Citizens Rewards account with great time-saving services and features. Plus, you’ll earn cash back on your debit card purchases.