The transaction types are listed below in the order in which they post. As a result, you bear all exchange rate risk. A few things to know before opening an account: Fields denoted with an asterisk (*) are required. Call us at the toll-free number listed in the "Bank Contacts" section at the end of this document as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We may exercise our right of setoff even if the withdrawal results in an early withdrawal penalty or the dishonor of subsequent checks. Many banking resolutions, signature cards and items contain language that requires two or more signatures for items drawn on the account. If we charge off your account and close it due to your failure to pay off a negative balance, then to the extent permissible by law we have the right as necessary to apply any subsequent deposits or credits (electronic or otherwise) related to your account as setoff against your charged off amount and, if applicable, mail any funds remaining to you at your address of record in the form of a cashier's check. 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. 132. Direct deposit eliminates paper checks and the need to make a trip to the bank to deposit funds. If you received a "certificate" when you opened your account, we reserve the right to request the surrender of that "certificate" when you pledge, withdraw funds from or close your account. We may also ask to see copies of the identifying documentation for each individual such as a passport in the case of foreign individuals. This paragraph shall not be enforced in violation of applicable law. We are authorized to charge such indebtedness against your account without regard to the origin of the deposits to the account or the beneficial entitlement to monies deposited, unless applicable law provides otherwise. Get the upgrade with the personal checking account that pays you interest. We may charge any of your accounts with us for any such losses, liabilities or expenses without prior notice to you. If your account is a partnership account, each partner agrees that we may exercise our right of setoff against the partnership account to satisfy not only the obligations of the partnership, but also the individual obligations of any partner. Upon the death of the last surviving account owner, the account balance belongs to the surviving beneficiaries, who then hold the account balance as joint tenants without right of survivorship unless applicable state law requires otherwise. You may request us to stop payment on any check, draft, personal money order, negotiable order of withdrawal (NOW), or pre-authorized electronic fund transfer drawn on your account if the item has not been paid. If we have agreed to accept deposits electronically from you, such deposits will be subject to the provisions of this Agreement except as specifically provided otherwise in your separate electronic deposit agreement. $100 rewards dollars will be credited within 60 days of qualification under the description: Commercial Spend Bonus. When you slide your card into an ATM where a skimming device has been installed, the reader scans and stores all the information on the card's magnetic strip. Our right of setoff also applies when we cash a third party check for you over the counter which is returned to us unpaid for any reason, provided we return the unpaid check to you. Redemptions are also available for retail gift cards and certificates, donations and merchandise. You may establish a payable on death (POD) account and/or a statutory revocable trust account under applicable state law and designate one or more POD payees (also referred to herein as "beneficiaries") to receive the funds in the account at your death. You authorize us to request and obtain one or more credit reports about you from one or more credit reporting agencies for the purpose of considering your application for new accounts, reviewing or collecting any account opened by you, or any other legitimate business purpose. In addition, we may, at our option, commence a lawsuit or other legal proceeding to determine the ownership of your account. Points will be deducted from the available rewards account balance for all returned purchases. This policy statement applies to "transaction" accounts only. iI's the feeling that you're not alone. For errors involving new accounts, point-of-sale debit card transactions or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. 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. Some limitations apply. Access your First Citizens Bank credit card account to obtain cash advances, transfer funds to your savings or checking account, or make payments on your credit card account, if these features have been requested by you. Make sure no one can see you enter your PIN at the ATM. 6. Pay certain bills automatically from your account. You deposit checks totaling more than $5,525 on any one day. Businesses may redeem reward dollars for (i) cash back to a First Citizens checking or savings account or credit card statement credits and (ii) Pay Me Back statement credits. CDs - If you wish to withdraw principal from a CD prior to maturity, you may do so only with our consent. Joint accounts opened prior to June 1989 may be governed by Section 41-2.1 of the General Statutes. A revocable trust/POD account shall be treated as an individual/joint account of the account owner(s). Make sure passenger windows are shut and all doors are locked as you approach the ATM. You must enable some types of alerts through your online banking account. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. This notice describes rights you have when you receive substitute checks from us. Thank you for contacting First Citizens Bank. 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. The AAA's applicable consumer or commercial rules and any supplementary procedures in effect on the date arbitration is filed shall govern the arbitration, subject to this Arbitration Provision. You will be notified of any applicable adjustments through your periodic statement and/or by separate notice. No Claim may be consolidated with the dispute of any other person. Do not count or display any money you receive from the ATM. You should receive a notice from the merchant who plans to use your check for electronic check conversion (we are not liable if the merchant fails to give you the required notice). When federal or state law does not permit an early withdrawal penalty. For our commercial interest-bearing checking accounts, we may calculate interest on the daily collected balance less an amount that is based on the reserve requirements of the Federal Reserve for transaction accounts (presently 10%). Effective July 1, 2020, the amount we make available for withdrawal by checks not subject to next day availability is $225. 3. "Without survivorship" or "no survivorship" means that upon the death of a co-owner, the account is owned by the decedent's estate and the surviving co-owners. STANDARD LIMITS. It is a legally binding contract. Regardless of how the item is presented to us (in paper or electronic form), we will store and retain the electronic information on the item for as long as the law requires. If your account is overdrawn due to NSF items, related service fees or for any other reason, you agree to pay the amount of the overdraft immediately. Get the right coverage to give you and your family peace of mind. We urge you to manage your account responsibly so as to avoid NSF items, the related service fees, and the potential negative consequences described below. Your use of any deposit account will constitute your acceptance of the terms of this Agreement and the provisions of the applicable Disclosure of Products and Fees, which is incorporated herein by reference. Transaction limitations, which are subject to change, are published in our Disclosure of Products and Fees. Checks deposited by 3:30 pm on a business day we are open will be considered deposited on that business day. We impose transaction limitations on your account with respect to electronic fund transfer services. We make every effort to include all relevant merchant codes in our rewards categories. 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. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire. Actual interest on time deposit accounts with shorter than a one-year term, or on accounts where interest is periodically paid out or transferred to another account, will be less than the APY. We think you’ll find it the quickest, easiest way to manage your accounts and deposit checks remotely. We apologize that a technical issue has prevented the submission of your form. You agree that we may record any telephone conversation with you to monitor the quality of service we provide and verify transactions affecting your account. A few things to know before opening an account: Fields denoted with an asterisk (*) are required. "Improper entries" generally refer to unauthorized entries; i.e., entries initiated without the actual authority of, and which do not benefit, the receiver. Credits are deposits or transfers of money into your account. Transaction fees for PIN-based transactions initiated with your Visa Debit card may apply and are set forth in our Disclosure of Products and Fees under each account type. If you are a business customer, we will ask you if your business is engaged or involved in internet gambling. You agree to reimburse us for any loss or expense we incur because you issue or deposit an item containing such extra information. Any person designated as an agent by any account owner or co-owner. Fund Availability; Bank of America Credit account (Credit card, charge card, loan, line of credit) 11:59 p.m. Again, in order for your deposit to be considered received on the business day you make the deposit, the deposit must be made before our cutoff time. You redeposit a check that has been returned unpaid. We are under no duty to contest on your behalf any execution, levy, attachment, garnishment, seizure or other legal or equitable process asserted against you or your account and may take such action to comply with any such process as we determine to be appropriate in the circumstances, without regard to whether the funds on deposit are protected and without liability to you. If you will need the funds from a deposit right away, you should ask us when the funds will be available. I remember so vividly walking into the unit and just looking in the doors. Only the borrower(s) on the line of credit is/are liable for paying any line of credit balance. ACH entries to or from consumer accounts are subject to the Consumer Financial Protection Bureau's Regulation E. Regulation E disclosures are contained in our Agreement and Disclosure for Electronic Fund Transfer Services (Section D of this Agreement). If you believe we have credited an ACH entry to your account, in error, you agree to notify us promptly (within 60 days) or you may not get any money back and we will be discharged of any liability to you. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website. We may disregard information on any item other than the signature of the drawer, the amount shown in words in the space designated on the item for such information, and any other information encoded into the MICR line pursuant to our usual procedures. The new enrollment bonus offer is available at account opening to new cardholders in the Accelerated Rewards Tier of the First Citizens Rewards® credit card or existing cardholders who upgrade to the Accelerated Rewards Tier. For most time deposit accounts, we will credit interest to your account on a monthly, quarterly, semi-annual or annual basis, as you may elect. We may also accept facsimile signatures as endorsements on items payable to you that are cashed or deposited to your account. CDs with terms less than one year can also receive interest at maturity. CARD TRANSACTIONS SUBJECT TO GOVERNING AGREEMENTS; AUTHORIZATION TO CHARGE ACCOUNT. To the extent permitted by state law, inactive and abandoned accounts will continue to be subject to account service charges according to our Disclosure of Products and Fees. Member FDIC and an Equal Housing Lender. In accordance with the laws in some states, we may restrict your designation of POD payees to natural persons and/or to limited entities such as trusts or non-profit organizations. Your continued use of your account constitutes your acceptance of these modifications. CARD ACCESS TO ACCOUNTS. Program rules are subject to change or cancellation without notice. You waive notice of non-payment, dishonor and protest regarding any items credited to or charged against your account. You are responsible for any loss or expense caused by your failure to properly identify the account to which a deposit is made or intended to be made. If you fail to notify us of a change in your mailing address, or if for any other reason your account statement is returned to us, we reserve the right to destroy the statement and the accompanying items. When you deposit a check or receive a direct deposit in your bank account, you may expect the money to be accessible immediately. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. However, we only credit interest (i) on 7-31 Day CDs at maturity, and (ii) on Variable Rate and Tiered Fixed Rate IRAs and KEOGHs monthly. We are not obligated to inquire about or investigate the application of the funds by the adult. 233 (Regulation GG) and 31 C.F.R. If you cannot reach us by telephone, email or write to us using the contact information listed in the "Bank Contacts" section. You hereby grant us a continuing security interest in all deposit accounts held by us, with respect to any funds in the account(s) of which you or you and one or more co-owners are beneficial owner(s), to secure the payment of any debt or performance of any obligation owed to us by you or any co-owner of the account. If you do NOT tell us within two business days after you learn of the loss or theft of your card or PIN, and we can prove we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500 for the unauthorized transactions. If we need additional information to process, we'll have a representative call you. "Include," "includes," "including," or "for example" are not to be construed as exclusive or as limiting the scope of the particular provisions in which those terms are used. Other restrictions and requirements apply. Some or all of the checks that you receive back from us may be substitute checks. A CD account is not opened or valid until we receive the initial deposit in cash or collected funds and all properly completed and signed documents that we require to open the account. Reward dollars earned are available for redemption for 3 years. Offer is valid on new accounts only. In recognition of this fact, you agree that in paying an item or taking an item for collection, we may disregard all information on the item other than the identity of the payor bank, the amount of the item, and any other information encoded onto the item in magnetic ink according to general banking standards, whether or not that information is consistent with other information on the item. You acknowledge that we will transfer your funds in accordance with your transfer instructions, and that as long as we follow your wire transfer instructions we are not liable if your funds are ultimately sent to an unintended recipient/beneficiary. This means if you receive or reply to a Free Security Alert text message, you will not be charged a messaging or data fee from your carrier. We can help. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at at log in. Earned points are calculated on actual dollars spent rounded up or down to the nearest point. We are authorized to collect our various fees and charges (i) by debiting your account (even if the debit results in an overdraft), (ii) by deducting our fee for handling incoming and outgoing wire transfers from the amount transferred, (iii) by demanding payment from you directly, and (iv) by exercising our right of setoff. The automatic crediting of interest to your account. The following applies to consumer accounts only: What is a substitute check? We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. For immediate assistance, call 844-226-5322 from 8 am to 6 pm ET, Monday through Friday. We will not be responsible under any circumstances for any consequential, incidental or actual damages (except for interest as provided above) in the event of any such delay or improper completion. Unless you instruct us otherwise, we will first access a linked line of credit to pay an NSF item before accessing a linked savings account. Compare Accounts, Need to make a change? You may obtain a copy of our Wire Transfer Agreement at one of our branches or through FC DIRECT (see "Bank Contacts" section – Part F for telephone contact information). OBLIGATIONS AND LIABILITY. For instance card transactions made by a person authorized to transact on the linked account are excluded from Visa's Zero Liability protection as well as transactions made by a cardholder that exceeds the authority given by the account owner. You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. The Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury administers and enforces economic and trade sanctions, based on U.S. foreign policy and national security goals, against targeted foreign countries and certain entities such as terrorists and narcotics traffickers. We will also ask you to provide information that will help us understand the nature and purpose of the legal entity's relationship with us. The arbitrator may allow discovery of relevant non-privileged documents. Some exclusions apply to certain categories of transactions. First Citizens Bank offers a safe way for our customers to store valuable items and important documents. Transform everyday purchases into unlimited cash back. Transform everyday purchases into unlimited cash back. We are authorized to follow the directions of the fiduciary regarding the account until we receive written notice that the fiduciary relationship has been terminated and we have had a reasonable time to act upon the notice. Points expiring during the year will be cleared from your Program Account on the last day of the month in which they expire. If we mail your statement to the address we have on our records, and the statement is returned as undeliverable, we will charge your account an undeliverable statement fee as set forth in our Disclosure of Products and Fees for each returned statement up to three statements. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at at log in. Funds deposited using CFB Mobile Deposit will generally be made available on the first business day after the day of deposit. We also may mail or otherwise make available to you from time to time notices regarding your account or activity on your account ("notices"). There are a variety of reasons it may take several days for new funds to become available to withdraw or spend. 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