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First Rate Checking

This account is in a class all its own. It pays market interest rates for customers with extra high balances. Win-win.

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First Rate Checking is the account for people with higher balances. It features market interest rates with a limit on the number of transactions allowed each month.
  • Earns tiered interest rates based on collected balance
  • Allows a total of six withdrawals or transfers per month
  • Free online banking
  • Free online bill pay
  • Free mobile banking
  • Monthly statement with check images
  • Monthly eStatements available with online banking
  • Interest rate reduction of 0.15% per year on new personal loans with auto debit*

*Subject to credit approval

  • Minimum opening deposit of $7,500
  • Tiered rate structure for earning interest based on daily collected balances:
    • Tier 1: Less than $7,500
    • Tier 2: $7,500 to less than $25,000
    • Tier 3: $25,000 to less than $50,000
    • Tier 4: $50,000 to less than $100,000
    • Tier 5: $100,000 and above
  • Up to six withdrawals or transfers allowed per month in any combination as long as you do not exceed the six allowed. If you exceed six withdrawals or transfers, there will be a $5 service charge for each additional withdrawal or transfer paid. Examples of withdrawals or transfers would be writing a check, an in-person withdrawal, withdrawal or transfer authorized by telephone, First Connection transfer, or an online banking transfer, preauthorized withdrawal or transfer to a third party.
  • Regulatory rules limit the number of preauthorized transfers and preauthorized transfers to a third party to six per month. Exceeding this limitation could result in the reclassification of your account.
  • Permitted unlimited ATM withdrawals and transfers with your FCNB debit card. ATM transactions are excluded from the transaction limits mentioned above and are not subject to the service charges for exceeding those limits.
  • Monthly fee of $15 if daily balance falls below $7,500
  • If you exceed six withdrawals or transfers, there will be a $5 service charge for each additional withdrawal or transfer paid

What our
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I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer