1st Relationship Checking

• 1.51% APY* on balances up to $10,000 (if relationship qualifications are met)
• 0.08% APY* on balances over $10,000 (if relationship qualifications are met)
• Refunds on out-of-network ATM surcharge fees (up to $10 per month). To earn the ATM surcharge/fee refunds, 15 point-of-sale debit transactions must post during the month
• Avoid the $7.50 monthly service fee by maintaining a $1,500 minimum balance
• Online banking & bill pay
• Mobile banking with mobile deposit
• ID theft protection
• Telephone banking
• Visa® debit card
• $25 minimum deposit to open

It’s Easy to Qualify for Your Rewards

To earn the higher interest rate, you must meet both of the following monthly qualifications:

1. Conduct 15 or more point of sale debit card transactions that post and settle during the month
2. Have $5,000 combined balances in other personal accounts at First Citizens, some account limitations apply (excludes 1st Relationship balance)

To earn the 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 our base interest rate.