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First Time Savings

Save early and save often. It’s a great motto. This account shows young people that it’s never too soon to start saving.

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The First Time Savings account is for young people (17 years of age and younger) who want to earn interest while building a savings.
  • Earns variable interest rate
  • Low opening deposit amount
  • No minimum quarterly balance requirements
  • Unlimited transactions through First Citizens ATMs
  • Quarterly statements
  • Minimum opening balance of only $50
  • Interest calculated on daily balance
  • Permitted up to six withdrawals or transfers per quarter in any combination as long as you do not exceed the six allowed. If you exceed six withdrawals or transfers, there will be a $2.50 service charge for each additional withdrawal or transfer paid. Examples of withdrawals or transfers include 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.
  • Currently 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 from a savings account to a transactional account. Examples of a third party transfer would be a preauthorized debit for payment of an insurance premium or a request for a wire transfer of funds. Examples of a preauthorized transfer would be an Online Banking transfer of funds, a First Connection transfer of funds, or an automated transfer of funds to cover an overdraft in a Demand Deposit Account.
  • If you exceed six withdrawals or transfers, there will be a $2.50 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