First Citizens Bank $200 Checking Account Bonuses

First Citizens Bank is offering a $200 Premier or Prestige checking account bonus when you receive a direct deposit, make 10 debit card transactions, OR make 5 electronic payments.

First Citizens Bank has branches in Arizona, California, Colorado, District of Columbia, Florida, Georgia, Kansas, Maryland, Missouri, North Carolina, New Mexico, Oklahoma, Oregon, Tennessee, Texas, Virginia, Washington, and West Virginia.

This offer is valid on new accounts opened by November 30, 2015.

How To Get Your $200 First Citizens Bank Bonus

1. Visit the First Citizens Bank Promo Page to open your First Citizens Premier or Prestige checking account online.

2. Obtain a new debit card.

3. Meet 1 of the following requirements within the first 60 days of account opening:

  • Receive a qualifying direct deposit.
  • Make 10 debit card transactions.
  • Have 5 qualifying electronic payments.

You will receive a credit of $200 within 60 days of meeting the qualifications.

First Citizens Bank Promotional Details

A qualifying direct deposit is defined as a deposit of $500 or more that is electronically deposited by an employer or an outside agency, such as a paycheck, pension, Social Security, or other regular monthly income.

A qualifying electronic payment is defined as completing a Bill Pay or Popmoney transaction via Personal Online Banking or Mobile Banking payable to a recipient other than the account owner.

Credit card cash advance transfers, transfers from one account to another, or deposits made at a branch or ATM do not qualify as a direct deposit or electronic payment.

Premier and Prestige Checking Account Details

The minimum deposit required to open a Premier or Prestige account is $100, but there is no minimum balance requirement to obtain the bonus.

For Premier Checking, they waive the monthly service fee based on your banking relationship balances or total direct deposits of $4,000.

For Prestige Checking, they waive the monthly service fee based on your banking relationship balances or total direct deposits of $6,500.

Otherwise, account maintenance fees will apply if you don’t meet the requirements.

Review these additional Bank Bonus Promotions for more current banking offers.

A special thanks goes out to Doctor Of Credit for letting us know about this new offer (previously $150 bonus with 5 debit card transaction requirement instead of 10).

Take advantage of this First Citizens Bank promotion to earn a $200 checking reward.


  1. DDBaller says

    Hey Max, there are Oregon locations of this bank and I was wondering if this promotion applies to them as well?

    • says

      Hello DDBaller,

      Thank you for your comment. It looks like First Citizens Bank has added new branch locations since I wrote this original article.

      Yes, residents of Oregon and other states are now eligible for this offer as well.

      I’ve updated the above article to include all of the current valid participating states.

      Thank you, Max

    • DDBaller says

      It’s a hard pull/chexsystem for opening. I tried to take advantage of the $150 promotion last year and they closed out my account without notice. Terrible bank and not worth all the trouble!

    • says

      Hello Alan,

      According to the fine print: “Bonus will be credited to the eligible account any time, at Bank’s discretion, within 90 days after all conditions have been met. Account must be open and in good standing at the time Bank credits the account.”

      So you must keep the account open and in good standing until they credit the bonus to your account.

      However, they don’t provide information on any type of requirement for you to keep the account open for a certain amount of time afterwards, in order to avoid having the bonus amount charged at account closing or to avoid some other type of closing penalty fee.

      It looks like you can close the account at any time after you receive the bonus without incurring any type of penalty.

      Thank you for commenting and hope this helps. Max

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