First Citizens Bank $200 Bonus Review

For residents in New England and New York, First Citizens Bank is offering a $200 bonus when open a Premier Checking or Prestige Checking Account, and set up a qualifying direct deposit, make 10 debit card transactions, or have 5 qualifying electronic payments within 60 days valid until November 30, 2015. First Citizens Bank has many benefits to offer such as a free visa debit card, online bill pay, online banking, mobile banking, overdraft protection, account earns interest, your family first package (Complimentary), and more! Follow the simple steps below to earn your $200 Bonus! You can also earn a $300 bonus with Chase Premier Checking!

How To Earn First Citizens Bank $200 Bonus:

1. Open a First Citizens Bank checking (Premier or Prestige Checking)
2. Receive a qualifying direct deposit, OR make 10 debit card transactions, OR have 5 qualifying electronic payments
3. Complete within 60 days of account opening

First Citizens Bank Promotion Summary:

• Direct Bonus Link
  
• Account Type: Premier or Prestige Checking
• Maximum Bonus: $200
• Availability: Arizona, California, Colorado, District of Columbia, Florida,Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina,Oklahoma, Oregon, Tennessee, Texas, Virginia, Washington & West Virginia
• Expiration Date: 11/30/2015
• Hard/Soft Pull:Hard Pull (Equifax)
• Direct Deposit Requirement: Optional
• Additional Requirements: Make 5 debit transactions OR 5 qualifying electronic payment
• Monthly Fee: Yes, Monthly fee of $16 or $20 that can be waived if maintain a  $5,000 combined daily balance
• Early Termination Fee: Yes, there is a termination fee of 25$, if account closed within 180 days.

Fine Print & Bonus Terms:

• Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as a direct deposit or electronic payment.
• There is no minimum balance requirement to obtain the bonus.
• Bonus will be credited to the eligible account any time, within 90 days after all conditions have been met.
• Account must be open and in good standing at the time Bank credits the account.
• Offer is available to new households who have not received a checking bonus in the last 12 months that open a new account between July 1, 2015 and November 30, 2015.
• Service fees may be charged by the third party ATM operator or owner or by the network owner for transactions at non-First Citizens ATMs. 
• Limit of five per month.

Final Analysis:

For residents of qualifying states, I recommend opening a First Citizens Bank checking account to earn a $200 cash bonus by, receiving a direct deposit, OR make 10 debit card transactions, OR have 5 qualifying electronic payments within 60 days of account opening. To avoid the monthly fee maintain a  $5,000 combined daily balance. In Conclusion, this is a simply cash bonus of $200 to your checking. Don’t forget to check our complete list of Bank Bonuses!