First Citizens Bank Bonus Offers and Promotions for 2025
Written by
Cynthia Bowman
Edited by
Melanie Grafil
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First Citizens Bank offers different bonuses throughout the year to entice new customers to open accounts. Currently, the bank is only offering promotions on their five-month certificate of deposit (CD) account.
| Account | Cash Value of Bonus | Expiration Date |
|---|---|---|
| Certificate of deposit | Up to | Rates are subject to change |
Read on to learn the details of this offer.
First Citizens Bank CD Promotions
First Citizen offers CD terms that range from five months to five years. The best CD rate by far comes with the five month CD.
- Promotional rate:
- Minimum deposit: $5,000
- Expiration date: None listed
- How to claim: Open your account and use an ACH transfer to fund it.
- When you’ll get it: Interest is deposited each month. You can withdraw the interest before the end of the term, but not the initial deposit.
- Terms and conditions: There’s an early withdrawal penalty if you withdraw your initial deposit before the end of the term. No matter how old the account is, you’ll have to pay three months’ interest if you withdraw early.
- Fee: $0
Did You Know?
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. In fact, as many as 65% of Americans with bank accounts might be leaving free money on the table.
How To Open a First Citizens Bank Account
To take advantage of the current First Citizens Bank bonus offers, you’ll have to open an account. You’ll need to be be at least 18 years old and a resident of one of the states where the bank operates. You can open an account at a First Citizens branch or online.
Here’s what you’ll need to provide:
- Name, address and phone number
- Social Security number or individual tax ID number
- Driver’s license, passport or other state ID
More About First Citizens Bank
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Sept. 10, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
