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Key Features

  • No Minimum Balance
  • Digital Banking
  • Debit Card

We believe a checking account is a vital first step to financial independence. Our Student Checking account is a convenient and affordable solution for students and their parents – regardless of where the student is going to college! 

Stop by any First Citizens Branch today to open your Free Student Checking Account. It only takes a few minutes, it’s free and loaded with convenience!

We also offer...

Private education loans^^ with competitive interest rates and a choice of repayment options. A private education undergrad loan is for students attending a four-year program to obtain a bachelor's degree or higher to cover tuition and additional fees and expenses. 

  • Minimum individual loan amount of $1,000
  • Maximum individual loan amount up to the cost of attendance less other financial aid as certified by the school
  • Payments can be fully deferred (6-month deferment), interest-only payments, or immediate principal and interest payments
  • No origination fee
  • No prepayment penalty

**Free ATMs nationwide available in certain markets only. 
^Free online bill pay available in certain markets only. 

^^ All loans are subject to credit approval.

Third party message/data rates may apply.