PERSONAL BANKING / Liberty Checking LIBERTY CHECKING This is one of our most popular accounts and it includes the following features: Minimum Account Opening Balance - $100 Online Banking Bill Payment Bank-By-Mail Debit Card ATM Card Access to First Citizens ATMs Unlimited Monthly Teller Transactions (1) Unlimited Check Writing Free Use of any Bank's ATM (2) Monthly Service Fee $8.00 Monthly Service Fee can be avoided by maintaining a $750 Minimum Daily Balance. (1) Teller transactions include deposits, withdrawals, transfers, and service balance inquiries at a First Citizens Bank branch or Drive Through that could have been made online or at an ATM. (2) Does not include any fee another terminal owner may charge to use their machine.