First Citizens Bank vs Chase

First Citizens Bank is a full-service bank with waivable fees and low APYs. How does it compare to Chase? Read our comparison chart below.

First Citizens Bank is a full-service bank with over 500 branches in 23 states. It offers a basic Free Checking account with just $50 deposit. Plus, it has premium checking options, savings, loans, credit cards, and business accounts.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

Compare First Citizens Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	First Citizens Bank	Chase
	Member FDIC	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER Online Savings - Learn More Read First Citizens Bank Review	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review
	Benefits and Features
Savings		Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD		Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking		Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Mobile App		iOS & Android
ATMs		15,000+ Chase ATMs
Customer Service	Monday to Sunday 7:00AM - 11:00PM (ET)	Automated service available 24/7
Locations	over 600 branches in 22 states	Over 4,700
	CreditDonkey® Reviews

Savings
Checking
Mobile App
Customer Service
CD
Pros & Cons	Pros: Low opening deposit on some accounts Monthly fees can be waived Overdraft protection available Cons: Low APYs Only available in 23 states	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Full-service bank with waivable fees and low APYs... Read full review	National bank with good promotions for new customers... Read full review
	Learn More	Visit Site
	Online Savings Free Checking Savings Account - $25 Bonus	Chase First Banking Referral Program - Up to $500 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. First Citizens Bank: Pricing information from published website as of 06/07/2025. Chase: Pricing information and data points from published website as of 08/26/2025.

Which is Better: First Citizens Bank or Chase?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing First Citizens Bank or Wells Fargo.

In short: Chase's checking and customer service are worth mentioning.

Articles on First Citizens Bank

First Citizens Bank Review

First Citizens Bank offers many account options with low opening deposits and fees. But there are downsides. Find out if First Citizens is a good bank for you.

First Citizens Bank Problems

First Citizens Bank provides affordable banking with fee-free checking and savings options. However, they may not be available for you.

First Citizens Bank vs HSBC

Articles on Chase

Chase Reviews

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Open a Chase Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

Chase Business Checking Promotion

Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.