Business Details
Your Trusted Partner for Financial Solutions
First Citizens Bank has been a trusted leader in the financial services industry for generations, built on a foundation of family ownership and unwavering commitment to customer-centric solutions. Our team of experienced professionals delivers tailored banking, lending, and investment services, prioritizing transparency, innovation, and long-term relationships. As one of America's largest family-controlled banks, we combine stability with cutting-edge digital tools to meet the evolving needs of individuals, businesses, and communities.Our expertise spans personal and commercial banking, mortgage solutions, wealth management, and specialized financial products, all backed by FDIC insurance and a pledge to ethical practices. With a focus on local market knowledge and national reach, we empower clients to achieve their financial goals through personalized guidance and reliable support.
Services
Checking Accounts
Savings Accounts
Certificates of Deposit
Mortgage Loans
Credit Cards
Wealth Management
Digital Banking
Business Banking
Overdraft Protection
Investment Services
Highlights and features
- We are a family-owned bank with generations of financial expertise.
- Our Forever First Promise ensures long-term stability and customer focus.
- We offer personalized solutions for personal, business, and wealth management needs.
- Our digital banking tools provide 24/7 convenience with robust security.
- We prioritize community support through initiatives like Teen Cancer America.
Associations and certifications
- FDIC
Services
Personal Checking Accounts
First Citizens offers multiple checking solutions including Primary, Premier, and Prestige accounts. These accounts provide features like interest earnings, overdraft protection, free digital banking tools, and debit card access. Customers benefit from flexible options tailored to their financial needs, with no minimum balance requirements for basic accounts and VIP perks for high-tier options.
Certificates of Deposit
Our CD accounts offer fixed interest rates with terms ranging from 6 months to 5 years. These accounts provide higher returns than traditional savings options, with special features like automatic renewal, penalty-free withdrawals during grace periods, and tiered rate structures. Customers can choose from standard CDs or specialized options like Premier and Automatic Saver CDs for customized savings strategies.
Credit Card Solutions
First Citizens provides diverse credit card options including cash rewards, travel rewards, and low-interest Smart Option cards. Benefits include contactless payments, fraud protection, and flexible redemption programs. Cardholders earn rewards on everyday purchases while accessing tools for budgeting, account alerts, and secure online management to enhance financial control.
Digital Banking
Our digital platform enables 24/7 account access with features like mobile check deposits, bill payments, fund transfers, and real-time transaction alerts. Designed for security and convenience, it supports budgeting tools, spending trend analysis, and integration with digital wallets like Apple Pay. This service empowers customers to manage finances efficiently from any device.
Wealth Management
First Citizens Wealth offers self-directed investing, retirement planning, and professional advisory services. Clients access IRAs, donor-advised funds, and customized portfolios with support for tax-efficient strategies and estate planning. Our solutions combine FDIC-insured products with investment options through affiliated broker-dealers, ensuring comprehensive wealth growth and protection.
Questions
What types of checking accounts does First Citizens offer?
We offer Primary, Premier, and Prestige Checking accounts with features like no minimum balance, interest earnings, and VIP benefits.
Can I access my account online?
Yes, our Digital Banking platform allows 24/7 access for bill pay, transfers, mobile deposits, and account management.
Are there fees for overdraft protection?
Overdraft fees apply at $10 per item, with up to four charges per business day, but we offer protection programs to minimize costs.
What credit card options are available?
We provide Cash Rewards, Travel Rewards, Smart Option, and Rewards credit cards with benefits like cash back and balance transfer offers.
How do I open a certificate of deposit (CD)?
CDs can be opened online with terms from 6 months to 5 years, or through a branch for specialized options like Premier CDs.
Is First Citizens Bank FDIC insured?
Yes, all deposit products are FDIC-insured up to $250,000 per depositor, ensuring your funds are secure.
