If your business is or later becomes involved in internet gambling we may, in our discretion, do any one or more of the following: (i) decline to open an account for your business; (ii) close your account if it has already been opened; (iii) require you to provide us with a copy of the license issued to your business by the appropriate state or tribal authority that expressly authorizes you to engage in an internet gambling business, or, if such license is not available, a reasoned legal opinion confirming that your internet gambling business does not involve transactions considered "restricted transactions" under the federal Unlawful Internet Gambling Enforcement Act; and/or (iv) require you to provide us with a written certification (a) advising the Bank of any change in your legal authority to engage in an internet gambling business and (b) certifying that your systems for engaging in an internet gambling business are reasonably designed to ensure that such business will remain within the legal limits. At our option and without notice to you that the item has been returned, we may resubmit any returned item for payment. Browse all First Citizens Bank branch and ATM locations. 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. The available balance represents the difference between the current balance and any activity that has not yet posted to the account (e.g., any "pending" deposits, checks, transfers and withdrawals). 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. 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. For additional information on the terms of your IRA, please refer to your IRA documents. In addition, you agree that if we are not liable for paying an irregular item by reason of the application of the preceding sentence, we will not be liable for paying any other irregular item that contains an unauthorized signature or alteration or was initiated or created by the same wrongdoer, whether in connection with the same account or other accounts. Reward dollars earned are available for redemption for 3 years. Still not sure? You agree that you will promptly and carefully examine your statements and any notices. If you make any changes to the signature authority on your account, you must give us reasonable time (at least two business days) to process your changes. Earned reward dollars are calculated on actual dollars spent rounded up or down to the nearest point. You will be responsible for all of the acts of your agent, even if your agent acts contrary to your specific instructions or your best interest or exceeds his or her authority. We may charge any of your accounts with us for any such losses, liabilities or expenses without prior notice to you. We may charge the fee without prior notice to you and for items that are drawn on your account or that we have issued at your request. Put the money immediately in your pocket or purse and count it later. Open your account with BBD$2,000.00 Free ATM/Debit Card available You may redeem reward dollars back into other First Citizens banking products: Cash back and account credit redemptions must be completed through the program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. With respect to most types of items, such as checks, other transactions using your checking account number, pre-authorized automated debits, and bill payments, we determine, under our basic overdraft service, whether to pay or return an NSF item based on an automated and/or manual system of review. If you want to stop payment on an item, you must act promptly to ensure that we receive your request before the item is paid. If you issue a check drawn on us (including, for example, a payroll check) and a person who is not our customer seeks to cash it at one of our branches, you agree that, to the extent permitted by law, we may charge the non-customer a service fee as a condition of cashing the check. Use of your ATM card will require a personal code (referred to as a personal identification number, or PIN). We will NOT be liable, for instance: There may be other exceptions stated in our agreements with you or permitted by law. We also may debit your account for other items that do not qualify under federal law as substitute checks, including electronic information and image replacement documents, if they are legitimate replacements for properly drawn and authorized items. Log In To Open Your Basic Business Checking Account, Log In To Open Your Business Savings Account, Log In To Open Your Premier Business Checking Account, Log In To Open Your Premium Money Market Savings Account, Select if this is your first time logging in to digital banking, Learn more about a Premier checking account, Learn more about a Prestige checking account, Learn more about Accelerated Earnings credit cards. If there are insufficient funds in your account to reimburse us fully, you will be liable for the balance. Any person acting as your attorney-in-fact under a power of attorney. 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. THE RIGHT TO APPEAL THE ARBITRATOR'S DECISION MAY BE LIMITED OR UNAVAILABLE. You acknowledge and agree that our attempts to call or text you using any telephone or cell phone number you provide to us may be automatically dialed, including prerecorded messages and texts. You deposit checks totaling more than $5,525 on any one day. In essence, the merchant is asking us to "guarantee" payment to the merchant if the merchant accepts your Visa Debit card. 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. Therefore, when you open an account, we will ask for your name, address, date of birth, drivers license number and/or other information, such as account purpose, that will allow us to identify you and also help us to understand your financial service needs so we can better serve you. CARD TRANSACTIONS SUBJECT TO GOVERNING AGREEMENTS; AUTHORIZATION TO CHARGE ACCOUNT. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. To do this, write, "For deposit only to account number: xxxx routing number: yyyyy" where xxxx is your account number and yyyyy is your routing number . Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Please refer to our Privacy Notice for more details on our information-sharing policies. Transactions you initiate through one of our online banking services, including mobile deposits, are governed by First Citizens' online banking agreements (Business Online Banking (BOB) Advantage and Digital Banking). We also reserve the right to revoke a card at any time without notice to you, and we may elect to do so if your card is inactive. You agree to reimburse us for any loss or expense we incur because you issue or deposit an item containing such extra information. If your paper check is converted, it will not be processed as a check. Inform you if your request can't be processed. For all time deposit accounts except "Jumbo" CDs, interest is compounded and accrued daily. With arbitration, you cannot act as a class representative or participate as a member of a class, even if the Claim has been asserted in court. If we acquired your account from another financial institution, your account will be governed by the same statutes applicable to accounts opened at the Bank in the state where your account is maintained, as such statutes are amended from time to time. However, we will discontinue sending you statements if your statements are returned to us as undeliverable for three consecutive months. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire. If your regular payments vary in amount, the person you are going to pay will tell you, at least 10 days before each payment, when it will be made and how much it will be. If you use any of these deposit services, you agree that: (i) we are not responsible for deposits until we actually receive the deposits at one of our branches or other processing facilities, and our records shall be conclusive as to our receipt of the deposits; (ii) you will comply with any requirements with respect to the containers, envelopes, bags or other equipment you must use for the deposits, and accompanying documentation or information; (iii) upon our receipt of the deposit, we will process the deposit in our usual manner of processing bank deposits (please note that any deposit made in a night deposit bag and/or dropped into a night depository facility will be handled as a night deposit and be subject to our Night Depository Agreement); (iv) any stamped deposit slip or other receipt we provide you when a deposit is delivered serves only to acknowledge our receipt of the deposit, will reflect the amount shown on the deposit ticket prepared by you, and does not constitute a validation or verification of the actual amount of the deposit; (v) unless otherwise provided by your particular account disclosures, we will provisionally credit the deposit to your account on the date of receipt in accordance with our funds availability policy (in the case of deposits made through our night depository facilities, the day we remove the deposit from the depository is the date of receipt, and this date may be different from the date the deposit is left in the night depository facility); and (vi) all deposits are subject to verification, and corrections will be made in our sole discretion as provided elsewhere in this Agreement. At our discretion, we may change the interest rate on these accounts at any time without notice to you. Special Note concerning North Carolina joint accounts: Joint accounts opened and maintained in North Carolina, including those accounts previously governed by Section 53-146.1 of the North Carolina General Statutes, are governed by Section 53C-6-6 of the General Statutes. Save your deposit slip PDF for recordkeeping. If you cannot reach us by telephone, email or write to us using the contact information listed in the "Bank Contacts" section. The front of a substitute check states: "This is a legal copy of your check. In contrast, when you use your Visa Debit card to purchase goods or services from a merchant who displays the Visa logo, the transaction will be handled very much like a traditional credit card transaction. This is the name of the company or organization, as it appears on the account. If you write it down, keep the writing in a secure place and never write it down on the card itself. It may sounds strange in these modern times, but mailing in your deposit with a CheckDeposit.io deposit slip offers you the best combination of convenience, speed in getting your funds, and recordkeeping. STANDARD LIMITS. Sarah is amazing and very helpful. You agree not to use the wire transfer system to process transactions in violation of (i) sanctions imposed by OFAC, (ii) federal rules implementing and enforcing the Unlawful Internet Gambling Enforcement Act, or (iii) other federal laws. We may rely upon your agent's acts and instructions, however, until we have knowledge that his or her authority has been terminated and we have had a reasonable time to act upon that knowledge. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We may exercise our right of setoff even if the withdrawal results in an early withdrawal penalty or the dishonor of subsequent checks. Member FDIC and an Equal Housing Lender. Sign it. You have overdrawn your account repeatedly in the last six months. Our reimbursement obligations with respect to a cashier's check are subject to any defenses we may have under applicable law. Use your other hand to shield the ATM keypad as you enter your PIN. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in. If you have to leave your car and walk to the ATM, lock your car. 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