We will be closed on Wednesday, June 19 in observance of Juneteenth. Bank Holidays

First Checking Account

Introducing First Checking for the Younger Generation

There's a first for everything... Open your First Checking account with First Citizens! An account specifically for ages 13 - 25 to help teach financial responsibility and smart spending.

Account Information

  • No minimum daily balance
  • No monthly fee
  • FREE First Citizens debit card1 with a $250/day limit
  • Enrolling in eStatements avoids a $10.00 paper statement monthly fee2
  • Checks available upon request (free Blauser check blanks - checks ordered through Deluxe incur the normal check charge)
  • Account automatically switches to Basic Checking when customer turns 26

Open Account Online  Locations & Hours

1Must meet current underwriting guidelines

2Plus tax as applicable

Must be between the ages of 13 - 25 to open a First Checking Account. Customers age 17 and under are required to have a parent/adult on their account until age 18.



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What information do you need to open your account?

  • Full Name and Address
  • Date of Birth
  • Social Security Number
  • Current Physical Government Issued Photo ID (unexpired)

Take Advantage of FREE Convenient Services

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Mobile Banking

Download our FCB Mobile App to check your account balance, eStatements, chat live, and more.

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Live Chat

Available Monday-Friday between 8:00am - 5:00pm via Online & Mobile Banking.

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eStatements

Receive your statements electronically via Online & Mobile Banking.

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Online Banking

Sign up for Online Banking to check your account balance, eStatements, chat live, and more.

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uSave

Every time you make a debit card purchase, your savings grows!

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Digital Wallet

Add your FC debit card to your digital wallet to pay using your mobile device.

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Your FREE Debit Card*

You'll receive a First Citizens MasterCard® Debit Card in the mail as well as a PIN.

  • Activate Your Debit Card: When you receive your debit card in the mail, follow the instructions and call the number provided to activate your card before use.
  • Receive/Change Your PIN: When you receive your PIN number in the mail (usually a separate mailing from your card), be sure to remember the four-digit security code. You can change your PIN at any time. Do NOT share your PIN with anyone.
  •  $250/Day Limit: There is a limit of $250 per day including purchases and ATM withdrawals.

*Must meet current underwriting guidelines. 

 

 

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First Checking Debit Card FAQs

How does a debit card work?

Debit card payments are subtracted from your checking account immediately. If you don’t have enough money in your account, your debit card will be declined. Your PIN may or may not be required when making debit card transactions.

Need cash? You can use your debit card at an ATM to get cash. Your PIN is required for ATM withdrawals. You can also get cash back when making a purchase at a store with your debit card.

privileged status atm logoFind an ATM

We proudly offer the benefits of the surcharge-free Privileged Status ATM network.

Find an ATM nearest you

Is there a limit on my debit card with First Checking?

Yes, there is a $250 per day limit. 

 

What do I do if my debit card gets lost or stolen?

Monday - Friday between 8:00am - 5:00pm, please call us at 800-423-1602.

If after our business hours, please call SHAZAM at 1-800-383-8000

For suspected fraudulent transactions on your debit card, please call SHAZAM Falcon Fraud Assistance at 1-866-508-2693.

Visit the SHAZAM Website

What if I forget my PIN or want to change my PIN?

Call SHAZAM at 1-800-717-4923.

Learn Financial Responsibility

We want to provide you with educational resources to help you become financially responsible and be smart with your debit card.

Banzai Financial EducationBanzai logo

graduation cap and books iconWe partner with Banzai to provide you with FREE access to financial literacy articles, calculators, and coaches.

Start Learning Budget Calculator



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We're Here to Help You

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Contact us or stop in to one of our locations  if you have any questions.
Chat live with us Monday - Friday between 8:00am - 5:00pm via Online & Mobile Banking.

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