{"id":4908,"date":"2025-08-06T21:45:57","date_gmt":"2025-08-07T02:45:57","guid":{"rendered":"https:\/\/www.northone.com\/blog\/?p=4908"},"modified":"2025-09-25T13:14:45","modified_gmt":"2025-09-25T18:14:45","slug":"first-citizens-business-bank-review","status":"publish","type":"post","link":"https:\/\/www.northone.com\/blog\/business-banking\/first-citizens-business-bank-review","title":{"rendered":"First Citizens Business Bank Review: Account Options, Fees, and Customer Service Deep-Dive"},"content":{"rendered":"\n<p>A <a href=\"https:\/\/www.northone.com\/blog\/business-banking\/best-small-business-bank-accounts\">business bank<\/a> account isn\u2019t just where you stash money. It should help you manage and grow your business. That\u2019s why many entrepreneurs take a closer look at First Citizens Business Bank when evaluating their options.<\/p>\n\n\n\n<p>As one of the country\u2019s more established financial institutions, First Citizens Business Bank offers a traditional banking experience with tiered account structures, cash-handling capabilities, and a mix of in-person and digital services. However, legacy banking isn\u2019t always built for speed. Let\u2019s see what First Citizens brings to the table and whether it\u2019s the right fit for your business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Overview_of_First_Citizens_Business_Bank\"><\/span><strong>Overview of First Citizens Business Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>First Citizens Bank has been around for more than 100 years, making it one of the longest-standing banks in the U.S. What started as a single branch in North Carolina has grown into a national presence, especially after its high-profile merger with CIT Bank in 2022.<\/p>\n\n\n\n<p>Today, First Citizens Business Bank serves entrepreneurs, small businesses, and larger commercial clients across 23 states. It offers a mix of traditional banking services (checking, savings, loans) as well as treasury management and merchant solutions for more complex needs.<\/p>\n\n\n\n<p>The bank\u2019s strongest appeal is access to a physical branch. With more than 500 locations, customers can walk in to make deposits, get help, or manage accounts in person. It also supports online and mobile banking, but its platform is more traditional than tech-forward. While you\u2019ll find the basics, like mobile check deposit, bill pay, and account alerts, it lacks some of the built-in tools and real-time features that modern business owners have come to expect.<\/p>\n\n\n\n<p>If you\u2019re comfortable with branch-based banking and don\u2019t mind some paperwork, First Citizens offers familiarity and a wide range of products. But for fast-moving startups or solo founders who need speed and simplicity, this experience may feel slower than today\u2019s digital-first options.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Business_Checking_Account_Options\"><\/span><strong>Business Checking Account Options<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>First Citizens Business Bank offers several <a href=\"https:\/\/www.northone.com\/blog\/business-banking\/best-business-checking-accounts\">checking account options<\/a> designed for different business sizes and transaction volumes. While this variety gives you choices, it can also create confusion\u2014especially if you\u2019re looking for something straightforward.<\/p>\n\n\n\n<p>Here\u2019s a breakdown of their most common business checking tiers:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Business_Banking_Account\"><\/span><strong>Business Banking Account<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Best for small businesses with lower transaction needs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No monthly fee if you enroll in e-statements or maintain a $500 balance<\/li>\n\n\n\n<li>100 free transactions per month, then $0.50 per item<\/li>\n\n\n\n<li>Up to $5,000 in free cash deposits monthly<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Business_Advantage_Checking\"><\/span><strong>Business Advantage Checking<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Designed for mid-sized businesses with higher transaction volume.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monthly fee of $20 (waived with a $7,500 balance)<\/li>\n\n\n\n<li>250 free transactions per month<\/li>\n\n\n\n<li>Up to $10,000 in free cash deposits<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Commercial_Advantage_Checking\"><\/span><strong>Commercial Advantage Checking<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Aimed at larger businesses with complex needs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$75 monthly fee (waived with a $25,000 balance)<\/li>\n\n\n\n<li>750 free transactions per month<\/li>\n\n\n\n<li>Up to $20,000 in free cash deposits<\/li>\n\n\n\n<li>Access to treasury management tools<\/li>\n<\/ul>\n\n\n\n<p>These accounts can be bundled with additional services like savings, loans, and merchant payment tools, which may benefit businesses with multi-layered finances.<\/p>\n\n\n\n<p>That said, the structure can feel a bit dated. Between balance requirements, transaction caps, and tiered pricing, it\u2019s easy to get stuck micromanaging limits. By contrast, a platform like North One offers one flat-rate business checking account\u2014no tiers, no balance minimums, and no transaction limits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fees_and_Requirements\"><\/span><strong>Fees and Requirements<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bank fees often seem small, but they add up fast, especially for businesses managing high transaction volumes. First Citizens Business Bank uses a tiered fee model that\u2019s fairly standard in traditional banking, but not always startup-friendly. Here\u2019s what you can expect:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monthly_maintenance_fees\"><\/span><strong>Monthly maintenance fees<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$0 to $75 depending on account tier<\/li>\n\n\n\n<li>Waived with eStatements or minimum balance (ranges from $500 to $25,000)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Transaction_overages\"><\/span><strong>Transaction overages<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Free monthly limits vary by account (100\u2013750 items)<\/li>\n\n\n\n<li>$0.50 per transaction after that<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cash_deposit_fees\"><\/span><strong>Cash deposit fees<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to $5,000\u2013$20,000 in cash deposits are free (based on account type)<\/li>\n\n\n\n<li>$0.30 per $100 after the limit<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wire_transfer_and_ACH_fees\"><\/span><strong>Wire transfer and ACH fees<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Domestic wires: $15 each<\/li>\n\n\n\n<li>International wires: Free in foreign currency, $25 in USD<\/li>\n\n\n\n<li>ACH and external transfers: $2.99 per item<\/li>\n\n\n\n<li>Monthly wire access fee: $15<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ATM_fees\"><\/span><strong>ATM fees<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Free at First Citizens ATMs<\/li>\n\n\n\n<li>Out-of-network ATM use incurs fees<\/li>\n\n\n\n<li>3% fee for international withdrawals<\/li>\n<\/ul>\n\n\n\n<p>The structure works well if you\u2019re able to meet waiver criteria and stay within monthly limits. But if your business scales quickly or has fluctuating cash flow, the costs can become unpredictable.<\/p>\n\n\n\n<p>In contrast, North One charges a flat $10 monthly fee. There are no balance requirements, no per-item transaction fees, and no penalties for using your account the way your business demands. It\u2019s a simple, upfront model built for momentum, not micromanagement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digital_Tools_and_Mobile_Experience\"><\/span><strong>Digital Tools and Mobile Experience<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>First Citizens Business Bank offers a digital banking experience, but it\u2019s not exactly cutting-edge. For businesses used to intuitive apps and fast functionality, the platform may feel limited. You\u2019ll find the basics like mobile check deposit, account alerts and balance monitoring, online bill pay, and eStatement access.<\/p>\n\n\n\n<p>Their app is well-rated in the App Store and Google Play, which speaks to its general reliability. But it\u2019s built around traditional banking tasks\u2014viewing balances, transferring funds, and paying bills. You won\u2019t find advanced tools for automating budgets or organizing finances by category.<\/p>\n\n\n\n<p>There\u2019s also limited integration with third-party tools like QuickBooks, Stripe, or Shopify. If your business relies on those platforms\u2014or needs real-time visibility into spending\u2014the digital experience may come up short.<\/p>\n\n\n\n<p>By contrast, North One was built from the ground up as a mobile-first banking solution. With features like automatic budgeting through sub-accounts, direct integrations with your business tools, and instant transaction notifications, it\u2019s a digital experience that keeps pace with how modern businesses operate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Customer_Service_Deep-Dive\"><\/span><strong>Customer Service Deep-Dive<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>First Citizens offers customer support through phone, online, and in-branch service. Business hours are generous\u20148 a.m. to 9 p.m. on weekdays, and 8 a.m. to 8 p.m. on weekends. That said, many users report that getting help can be hit or miss. Some issues get routed to local branches, which can require in-person visits.<\/p>\n\n\n\n<p>There\u2019s no live chat or consistent in-app messaging, which limits support options for businesses that operate outside of traditional hours. If you\u2019re building something fast, waiting on a callback is less than ideal. By contrast, North One customers get access to real-time, human support through chat, email, and phone, seven days a week.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pros_and_Cons_of_First_Citizens_Business_Bank\"><\/span><strong>Pros and Cons of First Citizens Business Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Like any banking option, First Citizens comes with tradeoffs. Here\u2019s a quick look at where it shines\u2014and where it may fall short for growing businesses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pros\"><\/span><strong>Pros<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No monthly fee on basic account (if waiver conditions are met)<\/li>\n\n\n\n<li>High transaction limits available on premium tiers<\/li>\n\n\n\n<li>Up to $20,000 in cash deposits without extra charges<\/li>\n\n\n\n<li>Access to treasury management tools for complex needs<\/li>\n\n\n\n<li>Extensive physical branch network across 23 states<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cons\"><\/span><strong>Cons<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tiered pricing and requirements can be hard to navigate<\/li>\n\n\n\n<li>Transaction overages and wire transfer fees add up<\/li>\n\n\n\n<li>Limited digital tools and integrations<\/li>\n\n\n\n<li>Customer service often routes back to local branches<\/li>\n\n\n\n<li>High minimum balances required for fee waivers at higher tiers<\/li>\n<\/ul>\n\n\n\n<p>If you value in-person banking and can manage the requirements, First Citizens may be a fit. But if you\u2019re looking for a streamlined, mobile-first solution, you may want to explore modern alternatives.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"First_Citizens_Business_Bank_vs_North_One\"><\/span><strong>First Citizens Business Bank vs. North One<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Choosing a business bank means weighing your priorities\u2014cost, flexibility, and digital capabilities. Here\u2019s how First Citizens Business Bank stacks up against North One:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>First Citizens Business Bank<\/strong><\/td><td><strong>North One<\/strong><\/td><\/tr><tr><td><strong>Monthly Fee<\/strong><\/td><td>$0\u2013$75 (waivable with balance or e-statements)<\/td><td>$0 or $30 flat<\/td><\/tr><tr><td><strong>Minimum Balance<\/strong><\/td><td>$500\u2013$25,000 (to waive fees)<\/td><td>None<\/td><\/tr><tr><td><strong>Free Transactions<\/strong><\/td><td>100\u2013750 per month (tiered)<\/td><td>Unlimited<\/td><\/tr><tr><td><strong>Cash Deposit Limit<\/strong><\/td><td>$5,000\u2013$20,000\/month (tiered)<\/td><td>Not applicable (digital-only)<\/td><\/tr><tr><td><strong>Branch Access<\/strong><\/td><td>Yes (500+ locations)<\/td><td>No (fully digital)<\/td><\/tr><tr><td><strong>Mobile App Tools<\/strong><\/td><td>Basic mobile banking<\/td><td>Budgeting tools, sub-accounts, app integrations<\/td><\/tr><tr><td><strong>Business Tool Integrations<\/strong><\/td><td>Limited<\/td><td>QuickBooks, Stripe, Shopify, and more<\/td><\/tr><tr><td><strong>Customer Support<\/strong><\/td><td>Phone and branch support during business hours<\/td><td>Real-time support Mon-Fri<\/td><\/tr><tr><td><strong>Setup Time<\/strong><\/td><td>Varies by branch<\/td><td>Minutes (online)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>First Citizens brings legacy strength and in-person access, while North One delivers simple pricing and modern tools for founders on the go. The right choice depends on how\u2014and where\u2014you run your business.<\/p>\n\n\n\n<div style=\"height:11px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<span class='mb-center maxbutton-3-center'><span class='maxbutton-3-container mb-container'><a class=\"maxbutton-3 maxbutton maxbutton-apply-for-an-account\" title=\"Apply for a North One Account in less than 3 minutes.\" href=\"https:\/\/join.northone.com\/?utm_content=blog_inline\"><span class='mb-text'>Apply for an account<\/span><\/a><\/span><\/span>\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_First_Citizens_the_Right_Fit_for_Your_Business\"><\/span><strong>Is First Citizens the Right Fit for Your Business?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your business relies on in-person service, handles frequent cash deposits, or prefers working with a legacy institution, First Citizens Business Bank could be a solid match. Its range of account tiers and physical branch access make it appealing for more traditional operations.<\/p>\n\n\n\n<p>But if you\u2019re a startup, freelancer, or fast-moving business looking for speed, simplicity, and fewer surprises, the experience may feel outdated. Managing fees and staying under transaction caps can quickly become a chore.<\/p>\n\n\n\n<p>For founders who want to move quickly, North One offers a modern alternative. One flat fee, mobile-first tools, and no balance requirements\u2014just a business account that works as fast as you do.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Choose_a_Smarter_Way_to_Bank_Built_for_the_Way_You_Work\"><\/span><strong>Choose a Smarter Way to Bank, Built for the Way You Work<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The right banking partner should forge a clear path, not slow you down. North One was built with that mission in mind. It\u2019s more than a checking account\u2014it\u2019s a smarter way to manage your money, track your progress, and stay focused on what matters most: building something great.<\/p>\n\n\n\n<p>Ready to simplify your business banking? <a href=\"https:\/\/login.northone.com\/\">Get started with North One<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A business bank account isn\u2019t just where you stash money. It should help you manage and grow your business. That\u2019s why many entrepreneurs take a closer look at First Citizens&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4912,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[153],"tags":[],"class_list":["post-4908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-banking"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>First Citizens Business Bank Review - North One<\/title>\n<meta name=\"description\" content=\"First Citizens business banking reviewed: learn about its checking options, customer support, and whether it&#039;s the right fit for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.northone.com\/blog\/business-banking\/first-citizens-business-bank-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"First Citizens Business Bank Review - 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