When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. We advise you to verify the source of all wire transfer instructions before you transmit these instructions to us. Image Deposits - No Envelope, No Deposit Slip. Redemptions are also available for travel, including airline tickets, hotel, car rentals, cruises and tours, retail gift cards and certificates, donations and merchandise. For more information refer to the Fast Balance User Agreement. Direct deposit can also help you build your savings quickly and easily if you have a portion of your money deposited directly to your savings. If we need additional information to process, we'll have a representative call you. Any co-owner may appoint agents, authorized signers or attorneys-in-fact for the account. One Deposit Checking from Citizens Bank® is the simplest account. The bank is currently running promotions that will appeal to customers in need of a new account and some bonus money. DO NOT write your PIN on your card. However, for consumer accounts, if your NSF item arises from an ATM transaction or a one-time debit card transaction, we will not authorize or pay the item unless you or another joint accountholder affirmatively consent ("opt-in") to our basic overdraft service. There is an emergency, such as failure of communications or computer equipment. However, we will discontinue sending you statements if your statements are returned to us as undeliverable for three consecutive months. Our response may either: If you didn't make this request or have questions, please call us toll free at 888-FC DIRECT (888-323-4732). When we accept deposits to your account and issue receipts, the deposits and receipts are subject to our subsequent verification and reconciliation. This amount must be claimed by the customer yearly and must be included in the customer's tax returns. First Citizens online and mobile banking will be UNAVAILABLE from 9:00 pm on Friday, December 4 through 3:00 am on Saturday, December 5 for an update from our vendor. You agree to indemnify us and hold us harmless from any losses, liabilities, and expenses we may incur, including our attorneys' fees, in connection with your account, except to the extent caused by our failure to exercise ordinary care. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus. Each co-owner agrees to notify us promptly of the death of another co-owner. Our reimbursement obligations with respect to a cashier's check are subject to any defenses we may have under applicable law. Each owner is jointly and severally liable to us for the acts (whether authorized or not) of any co-owner, agent, or authorized signer in connection with your account. You authorize us to debit your account and agree that the use of your Visa Debit card with any merchant, whether or not you have signed any sales or debit authorization, will constitute a simultaneous withdrawal from and/or demand on your account, even though the transaction may not actually be posted to your account until a later date. If you have any questions concerning your accounts, please contact us using the "Bank Contacts" information (Part F) at the end of this Agreement or visit your nearest First Citizens Bank office. In addition, availability of funds you deposit by check may be delayed for a longer period (longer than two days) under the following circumstances: If your ability to withdraw funds is delayed for any of these reasons, the funds will generally be made available no later than the fifth business day after the day of your deposit. Offer is valid on new accounts only. We are pleased you have chosen to bank with us and we look forward to a strong and lasting relationship. Other restrictions and requirements apply. In determining the balance in your account, we will apply applicable provisions in the Federal Reserve Board's Regulation CC and our Funds Availability Policy, which is outlined later in this Agreement. ATM transactions normally require the use of your PIN. Company must spend $3,000 within the first three months of account opening to receive the bonus. If more than one card is issued to access an account, we reserve the absolute right to revoke any or all of the cards used to access the account upon the request of the account owner, any account co-owner, or any person authorized to receive a card by the account owner or any account co–owner, regardless of whether the card or cards to be revoked are in the possession of the person requesting revocation. The Premier Checking account is an interest-bearing account, but the rate is not available on First Citizens Bank’s website, so you’ll need to check with the bank for its current rates. This Deposit Account Agreement ("this Agreement") governs all deposit accounts with First-Citizens Bank & Trust Company, and supersedes all previous Deposit Account Agreements. Welcome to the First Citizens Bank locator. Just another way to save a little time in your day! As to any account with multiple owners, each owner agrees that all of the owners are jointly and severally liable for all overdrafts and all NSF and overdraft fees. We may charge any of your accounts for such costs and expenses without prior notice to you. We are entitled to a reasonable period of time (not less than 24 hours) after you give us notice concerning a post-dated check to notify our employees. Once you have provided the appropriate documentation and any required indemnity bond, and if the missing check has not been paid, we will reimburse you after a period of time that we deem appropriate considering the circumstances of the loss and in accordance with applicable state law. a paper-based transaction (such as a check or withdrawal order), a pre-authorized automatic debit (such as an, Internal credit transfers: credit transfers you make, either online, by, Priority debit transactions - with available funds: transactions you initiate with your, Priority debit transactions - without available funds: transactions you initiate with your, Deposits and other credits: your deposits and other credit transactions (such as. Noninterest-bearing checking accounts are comprised of two subaccounts: a noninterest-bearing checking subaccount and a noninterest-bearing savings subaccount. Any fees and charges assessed against your account will be disclosed on your periodic statement. When used at an ATM, your ATM card and your Visa Debit card may be used to access any checking or savings account to which the card is "linked." The bank also provides a range of telephone banking services that include transaction information and funds transfer. If an item is presented for payment against your account in paper form, we convert the item to an electronic image. Make life easy with our simplest personal checking account. You agree to reimburse us for any loss or expense we incur because you failed to endorse an item exactly as it is drawn. Inactive Accounts You authorize us to pay items on your account which purport to bear a facsimile signature regardless of who placed the facsimile signature on the item or the circumstances surrounding the use of the facsimile signature, even if it was made by an unauthorized person or with a counterfeit facsimile device. On a case-by-case basis and to the extent permitted by applicable law, we reserve the right to restrict the nature or size of the transactions we will allow your attorney-in-fact to conduct on your behalf. Without regard to care or lack of care on our part or your part, if you have failed to discover and report to us any unauthorized transfer or any other discrepancy with respect to a transfer instruction within 14 calendar days from the date we first notify you of the transfer (whether by debit advice, periodic statement or otherwise), you will be precluded from asserting against us the unauthorized transfer or other discrepancy or from claiming interest. Please refer to our Privacy Notice for more details on our information-sharing policies. We are required by federal regulation to retain the right to ask for seven days' written notice from you before you withdraw funds from or close your savings account or Negotiable Order of Withdrawal (NOW) account on which you can write checks. All ACH entries are subject to our Agreement and Disclosure for Electronic Fund Transfer Services (Section D of this Agreement), as applicable, and the Operating Rules and Guidelines of the National Automated Clearing House Association (the "NACHA Rules"). Inspect the ATM for possible skimming devices. Certain branches may have an earlier cutoff time, and at certain branches with extended hours the cutoff time may be later. However, if you fail to meet any such requirements, you agree that, in the absence of any clear and convincing evidence on our records of a different intention at the time the account was created: (i) any account on which you are named on our records as co-owner with one or more other co-owners shall be a joint account with right of survivorship; (ii) the account shall have all the incidents described herein for joint accounts with right of survivorship; (iii) upon the death of a co-owner, the remaining funds in the account shall belong to, and may be paid directly to, the surviving co-owner(s); and (iv) our payment of such amounts to the surviving co-owner(s) shall be a complete and total discharge of our liability with respect to the funds in the account. However, the first $225 of your deposits may be available on the first business day after the day of your deposit. We offer a variety of deposit accounts to match your banking needs. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. (Note: Mobile deposits … Interest begins to accrue on a time deposit account on the business day you deposit cash or noncash items (for example, checks). When we pay an NSF item into overdraft, we do so under the basic overdraft service we offer to our customers. These Terms are only a summary. If you are the remitter (or payee) on a missing cashier's check that we issued and you make a claim with us for reimbursement of the amount of the check, you must complete and sign our declaration of loss form. Any person acting as an agent, guardian, conservator, personal representative, trustee, custodian, receiver or in some other fiduciary capacity with respect to an account. Each person identified as an authorized signer on the signature card but not identified as an "owner" is an authorized signer/agent only and not an owner of the account. Cash Back to an existing First Citizens Bank checking account, savings account or credit card account, Account credits towards a First Citizens personal loan or mortgage, Use rewards for exclusive travel experiences, Get an introductory balance transfer offer, Consolidate higher interest rate balances. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. You agree that you are responsible for reviewing a current copy of our Wire Transfer Agreement before you initiate any wire transfer. We will require satisfactory evidence, in the form of original or certified copies of court orders, of authority to establish the account and to make any transfers, disbursements, or other withdrawals from the account. Earn points by making everyday purchases and pay no annual rewards program fee. You may redeem reward dollars back into other First Citizens banking products: Cash back and account credit redemptions must be completed through the program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. Never give any information about your card or PIN over the telephone, especially if you do not initiate the call. The treatment of the account upon the death of a co-owner depends upon the type of joint account created. You authorize us to debit your related deposit account for any payments owed on your line of credit, regardless of whether the line of credit is in default. If you do NOT want us to pay any NSF items, you must notify us by calling FC DIRECT using the telephone number provided in the "Bank Contacts" section at the end of this Agreement. Sign the back of your check and write “For Mobile Deposit to Citizens Bank Only” below your signature. The $200 checking account bonus is available to any U.S. citizen or resident alien, 18 years or older with a valid Social Security number, who lives within the Bank’s market area. You authorize us to disburse funds from your account upon the presentation of such documentation, provided we act in good faith. Under the NACHA Rules, this procedure applies only to checks written on consumer accounts. Try it. When you deposit a check or receive a direct deposit in your bank account, you may expect the money to be accessible immediately. With respect to most types of items, such as checks, other transactions using your checking account number, pre-authorized automated debits, and bill payments, we determine, under our basic overdraft service, whether to pay or return an NSF item based on an automated and/or manual system of review. After the 3-year term, points expire and can no longer be redeemed. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in. In addition, the amount available for withdrawal on exception holds for large deposits, new accounts, and the amount for determining a repeat overdraft is $5,525. We may pay checks or other items drawn upon your account in any order we determine, including, but not limited to, paying higher amount items before lower amount items, even if paying a particular check or item results in an insufficient balance in your account to pay one or more other items that otherwise could have been paid out of your account or results in overdraft fees or charges. A written notice concerning a post-dated check will be valid only upon receipt by us. Withdraw cash from your checking or savings accounts. If your account has a variable interest rate, we may change your interest rate and annual percentage yield at our discretion and without notice at any time. Who'd think that there would be another person my age? You agree to be liable for all charges resulting from our authorization of a transaction (including, for example, NSF and overdraft charges), and you release us from all liability arising from any holds we place on your account when debit transactions are authorized. If the funds in your account(s) are insufficient to reimburse us fully, each owner and co-owner is jointly and severally liable to us for the balance. If we charge you a fee, it will be disclosed at the time of the transaction as stated in our Disclosure of Products and Fees. First Citizens Bank offers a safe way for our customers to store valuable items and important documents. A copy of the substitute check and/or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, and the amount of the check. Points earned are available for redemption for a 3 year term. Digital Banking is our online banking product designed for personal customers and business customers that do not need the more extensive online banking services offered through First Citizens' Business Online Banking (BOB) Advantage®. If your account is attached, executed upon, garnished or otherwise subject to levy, we will not be liable to you for any sums we pay because of such attachment, execution, garnishment or other levy, even if paying the money from your account leaves insufficient funds to pay checks you have written or other items presented for payment against your account. 5. You may deposit checks via your mobile device if you have a First Citizens Digital Banking account and have downloaded the First Citizens Mobile Banking app. We will not recognize the validity of any assignment of your account or transfer of funds in your account unless we give our prior consent and such consent as well as the assignment or transfer is entered in our records. An NSF item can arise in any type of customer-initiated transaction, including, for example: An NSF item can arise in connection with any type of deposit account, including, for example, a checking, savings, or Money Market account. You acknowledge and agree that our attempts to call or text you using any telephone or cell phone number you provide to us may be automatically dialed, including prerecorded messages and texts. Effective July 1, 2020 the amount we make available for withdrawal by checks not subject to next day availability is $225. Perhaps your bank typically makes funds available the same business day that a check is deposited. Posting an item affects your "current balance." When you open or maintain a deposit account with us, you are agreeing to the terms of this Agreement. If you are a new customer, the following special rules may apply during the first 30 days your account is open. Your available limits will be conveniently displayed to you on the Make a Deposit and Deposit Amount screens. Find branches, ATMs and bank offices near you. A GOBankingRates survey found that most Americans don’t research the promotions and bonuses that banks offer, and are reluctant to switch banks even for a cash bonus. If you desire to move your account so that it is maintained by a branch office in another state, you should contact your local branch in that state. Offer is valid on new accounts only. You agree that our payment of such amounts to the surviving co-owners is a complete and total discharge of our liability with respect to the funds in the account. This reward is only available for redemption on coach tickets priced below $1,000.00. You can use it the same way you would use the original check." For certain types of ACH entries to business accounts, you may only have 24 hours to report the entry if it is an "improper entry." Disclosures with respect to electronic fund transfers initiated through either of our First Citizens online banking services are additionally provided in our online banking agreements. There are a variety of reasons it may take several days for new funds to become available to withdraw or spend. Then, the funds will generally be made available by the second business day after the day of deposit. We are not obligated to pay any interest on funds from a deposited item that is returned unpaid. 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