The First Citizens Bank Free Checking Account may be a good choice if you'd like to avoid a monthly service. It also offers overdraft protection that lets you link to a savings account or apply for a line of credit, but you'll pay a $10 transfer fee if you use it. If you're worried about overdrawing, other banks offer free overdraft protection, which could be more fitting.

Gives you the flexibility to pay only accrued interest if you want. Best HELIC product in the community. Used to have a HELIC with another lender that required principal reduction each month

with First Citizens in Hartwell, GA, and Anderson SC. All the staff are friendly and helpful. Few banks these days take the time to know you or be able to call you by name, this one does with every encounter! There have been a few glitches that were quickly and easily fixed as soon as I brought it to their attention. Vance Foster is amazing and not only secured my personal but also business accounts and loans. I am very pleased.

when I was charged $100 for a wire transfer after confirming with the teller that the fee from our personal trust account would be $15, as listed on the bank's website. After numerous calls, I was told that the branch that processed the wire could not help me and that I had to deal with the branch that opened the account. I contacted our representative at the branch where we opened the account and explained the issue, but she did not understand why we would be given this information as she had no access to the wire information of another branch. After three to four more calls and visits to the branch, we were told that the fee was correct and that it was a business charge because a personal account under a trust is considered a business, and business wire transfers cost $100. We have numerous businesses and complete wire transfers through each one on a weekly basis and have never been charged more than $35. The customer service and responses were mediocre at best, as it was apparent that none of the employees really knew the answer to this issue.

very home type feel great and friendly people. No rushing they take there time helping plus Great rates......

My husband and I will definitely be using First Citizens Bank in the future for any loans that we might have.