First Citizens Bank
At First Citizens Bank, they know full well that no two customer’s needs are alike. For 111 years, this bank has focused on the individual needs of their customers by providing sound financial advice according to the customers’ needs. They have built their reputation and have earned their customers’ trust by putting a high premium on integrity and consistency.
First known as Bank of Smithfield, it opened on March 1, 1898 in Johnston County, NC and has long since diversified beyond agricultural lending. It is now serving customers in more than 200 cities and towns in North Carolina, Virginia, West Virginia, Tennessee, Maryland, California, and Washington while their subsidiary, IronStone Bank reaches into Georgia, Florida, Texas, Arizona, Colorado, New Mexico, Oregon, California, and Washington. Currently, Venture Bank is slowly transitioning into First Citizens Bank.
This multi-awarded bank offers personal services, business services, and wealth management. Under their personal services their products and services include checking, savings, CDs, IRAs, credit cards, loans and mortgages, planning and investing, insurance, and online banking. Their business services include checking, savings, CDs, credit and financing, insurance, merchant services, business and treasury services, and other additional business services. Under their wealth management services, they offer an integrated and objective approach to managing your personal and institutional wealth.
Their savings services include Regular Savings which has 1 tier, Tiered Money Market Savings which has 6 tiers, CDs which has 3 tiers, and Individual Retirement Accounts which has 3 tiers. Minimum opening deposit for the regular savings is $100, for Tiered Money Market Savings is $500, for IRAs is $100. For CDs there is Quest and Callable amount of $5000 but if you are interested in a 7-31 days CD term the minimum deposit is $2500. As with all savings services, you need to maintain a minimum balance to avoid monthly maintenance fees, withdrawal fees, or transfer fees. Penalties are also applied for early withdrawals. Check current bank rates online, from a local branch near you, or call their Rateline at 1-800-441-1705.
All accounts at First Citizens Bank are FDIC-insured.
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