* The Set to Save program requires a First Citizens checking account and a Market Rate Savings or Market Rate Savings Minor account. After 12 consecutive monthly transfers of at least $25 from your First Citizens checking account to your Market Rate Savings/Market Rate Savings Minor account, and providing your current savings balance is $300 or greater at that time, First Citizens will credit $50 to your savings account. Your checking and savings accounts must be in good standing to earn the $50 credit. To the extent required by law, First Citizens will report the credited amount to the IRS on Form 1099; taxes are the responsibility of the account holder. The minimum monthly balance requirement on the savings account will be waived for the first 12 months. As of 4/19/2010 the Annual Percentage Yield (APY) for Market Rate Savings/Market Rate Savings Minor accounts opened in SC is 0.15% APY and the APY for Market Rate Savings/Market Rate Savings Minor accounts opened in GA is 0.20% APY. APYs are subject to change. Your first monthly transfer must occur within 30 days of enrolling in the program. This offer cannot be combined with any other savings offer. Personal accounts only.