With the exception of the Sure Advantage and Together Card products (which are ineligible for overdraft service), if the available funds in your account are insufficient to pay an item when presented, First Citizens Bank will make a decision on whether to pay the item or return it unpaid. When we pay an item for which there are insufficient funds, it results in an overdraft. The following overdraft fee structure applies to eligible Consumer accounts: First Citizens Bank will charge you $10 each time we pay an item resulting in an overdraft, up to our limit of four (4) overdraft charges per business day. We will not charge you for overdrafts caused by transactions of $5.00 or less, nor for items returned unpaid. You are obligated to repay overdrafts immediately. Consumers have the option to decline overdraft service. First Citizens Bank also offers overdraft protection programs. Please see our for additional details., With a First Citizens free checking account, you can manage your money anywhere—without a monthly maintenance fee. Open a fee-free online bank account., Achieve your financial goals with a fee-free 360 Checking account from Capital One, featuring no minimum balance, 70,000+ fee-free ATMs, FDIC insurance and a top-rated mobile app..