---
title: 'Southeast & Southwest: First Citizens'
description: With branches across the Southeast and Southwest U.S., First Citizens is MONEY's best local bank in the region.
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published: '2015-10-25T16:50:24.000Z'
modified: '2024-04-16T07:12:41.000Z'
section: Banking
canonical: https://money.com/collection-post/best-regional-banks-southeast-southwest-first-citizens-2015/
type: Article
source: structured-blocks
---

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![BestBanks_FirstCitizens](https://img.money.com/2015/10/bestbanks_firstcitizens.png)

WHY IT'S A WINNER

First Citizens is a midsize bank with a [broad geographic footprint](https://money.com/collection-post/best-banks-footprint-most-locations-wells-fargo-2015/) and a relatively friendly ATM policy. The Premier Checking account also offers a 0.25-percentage-point discount on HELOCS.

#### Caveats

Both checking and money market yields are relatively low. And if you don’t meet the balance or direct-deposit minimum, your next best choice is the bank’s non-interest-bearing Select Checking account.

#### Branches

566 branches in Arizona, California, Colorado, D.C., Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, and West Virginia

#### Standout Account

*[Premier Checking](https://www.firstcitizens.com/personal/banking/checking/premier)*

**Maintenance fee:** $16  
**How to waive the fee:** Keep a $5,000 combined balance or direct deposit of at least $4,000 a month.  
**Outside ATM fee:** $0 for first five each month  
**Interest on $5,000:** 0.01%

**Here are Money's picks for the Best Regional Banks of 2015-2016:**

-   [Midwest: FirstMerit](https://money.com/collection-post/best-regional-banks-midwest-firstmerit-2015/)
-   Northeast: First Niagara
-   [South & West: BBVA Compass](https://money.com/collection-post/best-regional-banks-south-west-bbva-compass-2015/)
-   [Multiple Regions: Capital One](https://money.com/collection-post/best-regional-banks-capital-one-2015/)

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