First Citizens overdraft fee
First Citizens prints the overdraft dollar in the disclosure on its personal checking page. Eligible consumer accounts are $25 per item paid, up to 3 charges a business day. Sure Advantage and Together Card are not eligible. The monthly fees are on [how to avoid the First Citizens monthly fee](/guides/waive-first-citizens-monthly-fee). The wider table is [US overdraft fees by bank](/guides/us-overdraft-fees-by-bank).
Last updated: October 21, 2026
Last checked: Oct 2026
The $25 paid item
Opened 21 October 2026. The figures are from the overdraft disclosure on First Citizens' personal checking page. Except for Sure Advantage and Together Card, which are not eligible for overdraft service, First Citizens decides whether to pay an item or return it unpaid when available funds are not enough. Paying the item creates an overdraft.
On an eligible consumer account, the bank charges $25 each time it pays an item that overdraws the account, up to 3 overdraft charges a business day. It does not charge for an overdraft caused by a transaction of $5.00 or less. It does not charge for an item returned unpaid. You have to repay an overdraft right away. Consumers can decline overdraft service. The page also says First Citizens offers overdraft protection programs and points to the deposit account agreement for the rest.
The checking page lists 888-323-4732, also written as 888-FC DIRECT, for opening an account and for a stop payment. Use the number on your statement for a fee that already posted.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What the page prints |
|---|---|
| Paid overdraft item | $25 each time |
| Daily cap | 3 overdraft charges a business day |
| Transaction of $5.00 or less | No overdraft charge |
| Item returned unpaid | No charge |
| Sure Advantage and Together Card | Not eligible for overdraft service |
| Decline overdraft service | Consumers can opt out |
This is not the monthly fee
Primary, Select, Premier, and Prestige have their own monthly fees. Prestige can be $25 a month when the waiver is missed. That $25 is the monthly maintenance fee, not this overdraft charge. A California and Massachusetts brochure opened on 17 October 2026 printed the same $25 paid-item overdraft fee. This page uses the personal checking disclosure opened on 21 October 2026. Another state's brochure can still differ. Match the account name before you treat a $25 line as an overdraft.
Questions
- How much is a First Citizens overdraft fee?
- The personal checking disclosure prints $25 each time the bank pays an item that overdraws an eligible consumer account, up to 3 charges a business day.
- Does First Citizens charge for a returned item?
- No. The same disclosure says there is no charge for an item returned unpaid, and no charge for an overdraft caused by a transaction of $5.00 or less.
- Which First Citizens accounts are left out?
- Sure Advantage and Together Card are not eligible for overdraft service. The $25 fee is for eligible consumer accounts. A $25 monthly fee on Prestige is a different line.
Sources
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