Yes, minors can open a checking account at First Citizens Bank with a parent or guardian

First Citizens Bank offers youth checking accounts for customers under 18, but a parent or legal guardian must open the account jointly and remain on it. The minor cannot open an account alone. You'll need to visit a First Citizens branch in person with the minor, a valid ID for the minor (state ID, passport, or school ID), and a government-issued ID for the parent or guardian.

The specific account options and features vary by state, since First Citizens operates in multiple regions and each state has different banking rules. Some branches offer accounts designed specifically for teens with limited transaction rights, while others use a standard joint account structure. Call your local First Citizens branch or visit their website to confirm what accounts they currently offer in your state.

Key Takeaways

  • A parent or guardian must be present and co-own the account; minors cannot open accounts independently at First Citizens.
  • You will need valid ID for both the minor and the parent or guardian, and you must complete the process in person at a branch.
  • Account features, fees, and age restrictions differ by state and branch, so contact your local First Citizens location for specifics.
  • The parent or guardian retains full access and control of the account, including the ability to monitor spending and set limits.

What documents you need to bring to the branch

Bring a government-issued ID for the minor—a state ID, passport, or school ID will work. If the minor does not have one of these, ask the branch what alternatives they accept, as policies can vary. Some branches may accept a birth certificate plus a school ID, but do not assume this without calling first.

The parent or guardian must bring a government-issued photo ID such as a driver's license, passport, or state ID. Bring proof of address for the guardian if your ID does not show your current address—a recent utility bill, lease, or mortgage statement usually works. Some branches may also ask for a Social Security number for both the minor and the guardian, so have those ready.

Age limits and account restrictions

First Citizens does not publicly state a minimum age for youth accounts, so the actual age at which a minor can open an account may vary by branch and state. Some banks allow accounts for children as young as 7 or 8, while others set the minimum at 13 or 16. Contact your local branch directly to learn their minimum age requirement.

Once the account is open, the parent or guardian controls it completely. The minor may have a debit card and access to online banking, but the guardian can set spending limits, monitor transactions, and close the account at any time. Some youth accounts restrict certain types of transactions—such as wire transfers or ATM withdrawals over a set amount—but these restrictions depend on the specific account type your branch offers.

Fees and account features

First Citizens youth checking accounts typically have no monthly maintenance fee, though this varies by state and account type. Some accounts may charge fees for overdrafts, excessive ATM withdrawals, or other services, so ask the branch for a complete fee schedule before opening the account.

Most youth accounts include a debit card, online banking access, and the ability to set up direct deposit. Some branches offer accounts with parental controls built in, allowing the guardian to receive alerts when the minor makes a purchase or withdraws cash. Ask whether the account includes these features when you visit the branch.

How to open the account in person

Visit a First Citizens Bank branch with the minor, the parent or guardian, and all required documents. The branch staff will complete an application form and verify your identities. The process typically takes 15 to 30 minutes. You will receive account numbers and debit cards either immediately or within a few business days, depending on the branch.

If you do not know where your nearest First Citizens branch is located, use the branch locator on their website or call their customer service line. Some branches may have different hours or may require an appointment, so call ahead to confirm they can open a youth account and to ask about wait times.

What happens after the account opens

The minor can begin using the debit card and online banking once the account is active. The parent or guardian should set up online access for themselves as well, so they can monitor the account and manage any parental controls or spending limits. Most First Citizens accounts allow you to set up alerts for transactions, low balances, or other activity.

If the minor turns 18, the account does not automatically close or change. The guardian can remain on the account, or the young adult can request to remove the guardian and take full control. Contact First Citizens to learn the process for transitioning the account when the minor reaches adulthood.

Frequently Asked Questions

Can a minor use the account without the parent present?

Yes, once the account is open, the minor can use the debit card and online banking independently. However, the parent or guardian retains full access and control of the account at all times and can monitor all transactions, set spending limits, or close the account.

What if the minor does not have a state ID or passport?

Call your local First Citizens branch and ask what alternative documents they accept. Some branches may accept a school ID combined with a birth certificate, but policies vary. Do not assume alternatives without confirming with the branch first.

Are there limits on how much money the minor can deposit or withdraw?

Limits depend on the specific account type and the branch's policies. Some youth accounts restrict daily ATM withdrawals or require guardian approval for large transactions. Ask the branch about any transaction limits when you open the account.

Can the parent remove themselves from the account later?

This depends on the minor's age and First Citizens' policies. Contact the bank to learn whether a guardian can be removed before the minor turns 18, or whether the account must transition when the minor reaches adulthood.

What if the debit card is lost or stolen?

Contact First Citizens immediately to report the card. They will cancel it and issue a replacement, which typically arrives within 7 to 10 business days. In the meantime, the minor can still access funds through online banking or by visiting a branch.