The First Citizens Bank Online Savings Account doesn't charge monthly service fees and has a decent $50 minimum deposit. Be mindful of the excessive withdrawal fee, though. If you make more than two withdrawals per month, there is a $3 withdrawal fee for each transaction after.

Most First Citizens Bank CDs pay low interest rates. The one exception is the 11-month promotional CD, which pays 5.00% APY. This account is only available online. Customers who live near a First Citizens Bank branch can open the promotional CD. You must deposit at least $5,000 into the CD, and it has to be new money (money from an external bank account)

The First Citizens Bank Money Market Account has a low minimum opening deposit. However, you'll need to keep at least $1,000 in your account daily to avoid the $10 monthly service fee.