First Citizens Bank vs Citizens Bank

First Citizens Bank is a full-service bank with waivable fees and low APYs. How does it compare to Citizens Bank? 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 Citizens Bank has over 1,100 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

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

	First Citizens Bank	Citizens Bank
	SPECIAL OFFER Online Savings - Learn More Read First Citizens Bank Review	SPECIAL OFFER 7-Month CD - 4.50% APY - Learn More Read Citizens Bank Review
	Benefits and Features
Savings		Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
CD		Several types of CD accounts. Terms ranging from 7-14 month. 2.75% - 4.50% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
Money Market		Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
ATMs		3,200+ ATMs across 14 states
Customer Service	Monday to Sunday 7:00AM - 11:00PM (ET)	24/7 Telephone Customer Service
IRA CD		Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	537 branches	1,100 branches in 14 states
	CreditDonkey® Reviews
Savings
Checking
Mobile App
Customer Service
CD
Money Market
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: One Deposit Checking GoalTrack Savings 24/7 customer service Cons: Low APY Heavy overdraft fees Limited branches
Bottom Line	Full-service bank with waivable fees and low APYs... Read full review	East Coast bank with solid deposit products to help meet goals... Read full review
	Online Savings Free Checking Savings Account - $25 Bonus	7-Month CD - 4.50% APY Citizens Bank High Yield Online Savings - 4.15% APY 14-Month CD - 2.75% APY
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 07/22/2024. Citizens Bank: Pricing information from published website as of 11/21/2024 based on 10011 zip code.

Which is Better: First Citizens Bank or Citizens Bank?

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 CIT Bank.

In short: First Citizens Bank's mobile app is worth mentioning. Citizens Bank's savings, checking, and customer service are worth mentioning. In particular, the customer service is impressive.

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.