Compare Accounts. Need to make a change? Start Over. Mobile Banking Get all our online features and more on your mobile devices. Digital Banking. Banking on the Go. Download the First Citizens Mobile Banking app and make account access seamless and secure.
Download the App. Mobile Deposits. Open your Digital Banking app on your phone or tablet to access the mobile deposit feature Snap a photo of your check Check the status of your deposit in the app. Digital Wallets. Learn More Learn more about Digital Wallets. Download our mobile banking app. Is the First Citizens Digital Banking app free? Can I view check and deposit images with Digital Banking?
What types of checks can I deposit with my mobile device? First Citizens Mobile Check Deposit will accept several check types. You can deposit: Personal, business and government checks payable in US dollars Checks drawn on a US bank Checks payable and endorsed by the account holder You can't deposit: US postal money orders and savings bonds Foreign or international checks Traveler's checks Money orders Convenience checks or checks drawn on a line of credit For full details, please refer to the Personal Digital Banking Agreement.
When will my deposits be available? Is an endorsement required for Mobile Check Deposit? All checks should be properly endorsed prior to deposit.
More FAQ. Account openings and credit are subject to bank approval. Bonus Offer Offer is valid on new accounts only. Rewards Redemption Businesses in the Accelerated Rewards Tier may redeem points for i cash back to a First Citizens checking or savings account or credit card statement credits, ii credit towards a First Citizens personal loan or mortgage principal, iii Pay Me Back statement credits, iv travel rewards, including airline tickets, hotel, car rentals, cruises and tours, v retail gift cards and certificates and vi merchandise and vii donations.
Program Rules are subject to change or cancellation without notice. Rewards Redemption Businesses may redeem reward dollars for i cash back to a First Citizens checking or savings account or credit card statement credits and ii Pay Me Back statement credits. Business Rewards Credit Card Terms. Earning Points Base Rewards Tier: Earns i one 1 point for each dollar you spend for net retail purchases gross retail purchases less any returns or credits , ii three 3 points for each dollar you spend for net retail purchases in the follow rewards category: gas stations 2 additional points on top of the 1 point per dollar earned on net retail purchases , iii two 2 points for each dollar you spend for net retail purchases in the following rewards categories: restaurants and travel airlines, auto rental, and lodging 1 additional point on top of the 1 point per dollar earned on net retail purchases.
Rewards Redemption Businesses in the Base Rewards Tier may redeem points for i cash back to a First Citizens checking or savings account or credit card statement credits, ii credit towards a First Citizens personal loan or mortgage principal, iii Pay Me Back statement credits, iv travel rewards, including airline tickets, hotel, car rentals, cruises and tours, v retail gift cards and certificates and vi merchandise and vii donations.
Open a Basic Business Checking account. Let's get started A few things to know before opening an account: You'll need to be an existing First Citizens Business Customer with a Business Digital Banking login to open an account.
Your business must be a sole proprietorship, an LLC or a corporation. Open a Business Savings account. Open a Premier Business Checking account. Open a Premium Money Market Savings account. Submission Success. We'll be in touch. You'll receive an email response within 60 days. Request for CRA-qualified nonprofit grant funding. Website Enter your organization's website. What percent of your organizational client population served is low income? What percent of your organizational client population served is moderate income?
Contact Commercial Advantage. Send Message. Contact a First Citizens Representative. Are you an existing customer? Contact a Business Insurance Consultant.
Email Address. Contact Us About Business Loans. Contact Us About Consumer Loans. A member of our team will contact you within 2 business days upon completion of this form.
Phone Number. Contact First Citizens Institutional Services. Contact Us About Life Insurance. Contact an Insurance Consultant. Contact a First Citizens Wealth Consultant. Contact Us to Get the Replay. I would like to view the replay of Dan Clifton's April 6th webinar. Thank you for your request. We'll process your request and respond within 45 days. Our response may either: Include documentation responsive to your request Notify you that we may need additional time to respond to your request Inform you if your request can't be processed.
If we need additional information to process, we'll have a representative call you. You'll receive a reply within 1 business day. You'll receive a reply within 2 business days. You'll receive a reply in 2 to 3 business days. Log In. Select if you forgot your password. First Time Log In Select if this is your first time logging in to digital banking. Open a Personal Account. Do you have a First Citizens checking account? Yes I want to open another account.
No I want to open a checking account. Looking to open a small business account? Get started. Accelerated Earnings Credit Card Terms.
You may redeem points back into other First Citizens banking products: Cash Back to an existing First Citizens Bank checking account, savings account or credit card account Account credits towards a First Citizens personal loan or mortgage Cash back and account credit redemptions must be completed through the Program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center.
Program rules are subject to change or cancellation without notice. Cash Back Credit Card Terms. You may redeem reward dollars back into other First Citizens banking products: Cash Back to an existing First Citizens Bank checking account, savings account or credit card account Account credits towards a First Citizens personal loan or mortgage Cash back and account credit redemptions must be completed through the program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center.
Cash Rewards Credit Card Terms. You may redeem reward dollars back into other First Citizens banking products: Cash Back to an existing First Citizens Bank checking account, savings account or credit card account Account credits towards a First Citizens personal loan or mortgage Cash back and account credit redemptions must be completed through the program website.
Rewards Examples. How can I use my points? Rewards Credit Card Program Terms. Earning Points With Rewards, you will earn three 3 points on fuel and select streaming services, two 2 points on grocery and drug stores, and one 1 point for each net dollar you spend gross purchases less any returns or credits. You may redeem points back into other First Citizens banking products: Cash Back to an existing First Citizens Bank checking account, savings account or credit card account Account credits towards a First Citizens personal loan or mortgage Cash back and account credit redemptions must be completed through the program website.
Travel Rewards Credit Card Terms. You must call the Customer Care Center to have your secure login reset. This will allow you to re-enroll next time you log in and select and answer new security questions. You can change your security questions anytime by logging into Digital Banking, going to the Customer Service tab, and clicking the Update My Profile link. The most common reason for getting locked out of Digital Banking is typing an incorrect password. This usually happens when the caps lock is accidentally enabled.
Your password is case sensitive. If you know you're typing in your password correctly and in the right case, you'll want to check the version of your browser. More than likely the browser you're using is not a current version, and you'll need to upgrade. Nothing prevents you from logging in to Digital Banking from an airport kiosk, a public library computer, a hotel lobby computer or any other public device, but those devices are at high risk of being modified by criminals to steal your user ID , password and security question answers.
Features like Bill Pay can even be abused by criminal software to steal money while your are logged in without you knowing. If you can wait until you have access to a private device, please wait until then. The first time you log in from a new device, you'll need to answer a security question. If it's a computer you use often and always physically control, you may choose to register it. Then your secure login will recognize you on both computers.
Never choose to register a public device. From this page you can reset your user ID, password and security questions. If you can't log in, you can call the Customer Care Center to have your secure login reset. Several things influence your connection speed. Your computer and Internet connection are just part of the equation. When you connect to the bank there is an additional process of setting up security and authenticating your identity.
The various levels of security involved influence this process. Once you are authenticated, we pull in your account information. Since we return information about all your accounts, the process may take a little longer than just asking for details on a single account. To get the fastest speed possible, make sure you have a good Internet connection. Check with your Internet service provider to see if they have recommendations for faster connections.
Zelle is a fast, safe and easy way to send money directly between almost any bank account in the US , typically within minutes. With just an email address or US mobile phone number, you can send Zelle payments to people you trust, regardless of where they bank.
Since Zelle payments are sent directly from your bank account to another person's bank account within minutes, it's important to only send money to people you trust, and always ensure you've used the correct email address or US mobile number.
You can send, request, or receive money with Zelle. Enter your email address or US mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving with Zelle.
To send money using Zelle, simply select someone from your mobile device's contacts or add a trusted recipient's email address or US mobile phone number , add the amount you'd like to send and an optional note, review, then select Send. In most cases, the money is available to your recipient in minutes. To request money using Zelle, choose Request , select the individual s from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and select Request.
To receive money, just share your enrolled email address or US mobile phone number with a friend and ask them to send you money with Zelle. For your security, we limit the amount of money that can be sent from your accounts to others but not the amount you can receive. Your limits may be different and are subject to change.
If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes. Zelle is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor. Since money is sent directly from your bank account to another person's bank account within minutes, Zelle should only be used to send money to friends, family and others you trust.
Neither First Citizens Bank nor Zelle offers a protection program for any authorized payments made with Zelle. For example, if you don't receive the item you paid for or the item isn't as described or as you expected.
If you don't know the person, or aren't sure you will get what you paid for for example, items bought from an online bidding or sales site , you shouldn't use Zelle for these types of transactions. These transactions are potentially high risk just like sending cash to a person you don't know is high risk.
Neither First Citizens Bank nor Zelle offers a protection program for any authorized payments made with Zelle—for example, if you don't receive the item you paid for or the item isn't as described or as you expected. It's easy. Zelle is already available within First Citizens Digital Banking. Sign in to Digital Banking and follow a few simple steps to enroll with Zelle today. You can find a full list of participating banks and credit unions live with Zelle. If your recipient's bank isn't on the list, don't worry!
The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS. Zelle does not accept debit cards associated with international deposit accounts or any credit cards. When you enroll with Zelle within First Citizens Digital Banking; your name, the name of your bank, and the email address or US mobile number you enrolled is shared with Zelle no sensitive account details are shared—those stay with First Citizens.
When someone sends money to your enrolled email address or US mobile number, Zelle looks up the email address or mobile number in its directory and notifies First Citizens of the incoming payment. First Citizens then directs the payment into your bank account, all while keeping your sensitive account details private. In order to use Zelle, the sender and recipient's bank accounts must be based in the US. You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle.
To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This Payment. If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or US mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. Still having trouble? Please give the First Citizens Bank customer support team a call at or get in touch through our support page. You can change or cancel your next scheduled payment any time before the send date. If you wish to edit the next scheduled payment, you can update the send date, amount, subject line and personal message without affecting future payments.
You can also edit or cancel the entire recurring payment plan at any time. If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll.
After enrollment, the money will move directly to your recipient's account, typically within minutes. If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or US mobile phone number. If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message.
If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or US mobile phone number. Keeping your money and information safe is a top priority for First Citizens Bank. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
Your email address or US mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or US mobile phone number to First Citizens Bank so you can use it for Zelle.
Once customer support moves your email address or US mobile phone number, it will be connected to your First Citizens account so you can start sending and receiving money with Zelle through First Citizens Digital Banking. Please call First Citizens Bank customer support toll-free at for help. These digital wallets electronically store your payment information, allowing you to make contactless, secure purchases in stores, in apps and on the internet without having to show a physical credit card.
You can use these digital wallets at a variety of online and in-store retailers. Look for the contactless payment symbol at checkout. You'll continue to earn rewards when you use your First Citizens eligible credit cards through purchases made with any of the digital wallets above. Visa's Zero Liability Policy covers fraudulent purchases made with your First Citizens Visa credit and debit cards, even through any of the digital wallets above.
After completing a payment through Samsung Pay or Google Pay, a confirmation will appear on your device. With Apple Pay, a confirmation will appear in the Wallet app on your iPhone. We're here to help.
Contact us or learn more from Apple. Your card information is never stored on your device or Apple servers. Plus, when you pay, your card numbers are never shared by Apple with merchants. Contact us or learn more from Google. To add and set your default card, go to Google Pay app and select Cards.
Tap the card you want to make your default and tap Set as default. Contact us or learn more from Samsung. Samsung Pay doesn't have a default card setting. The first card you see when you open the Simple Pay app is either the last card you registered or the last card you used. Use any of our credit or debit cards except equity line and Visa gift cards. Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website.
First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website. Bank deposit products are offered by First Citizens Bank.
Offer is valid on new accounts only. Accelerated Rewards Tier: Earns one and a half 1. There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.
Businesses in the Accelerated Rewards Tier may redeem points for i cash back to a First Citizens checking or savings account or credit card statement credits, ii credit towards a First Citizens personal loan or mortgage principal, iii Pay Me Back statement credits, iv travel rewards, including airline tickets, hotel, car rentals, cruises and tours, v retail gift cards and certificates and vi merchandise and vii donations.
Businesses in the Accelerated Rewards Tier have access to additional experiential rewards and a fixed point value airline travel reward. These Terms are only a summary.
Other restrictions and requirements apply. Cash Rewards: Earns i one 1 reward dollar for each one hundred dollars you spend for net retail purchases gross retail purchases less any returns or credits , ii five 5 reward dollars for each one hundred dollars you spend for net retail purchases in the following rewards categories: utilities and wireless phone 4 additional reward dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases for the first twelve 12 months from account opening; three 3 reward dollars for each one hundred dollars you spend for net retail purchases thereafter 2 additional reward dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases , iii two 2 reward dollars for each one hundred dollars you spend for net retail purchases in the follow rewards categories: gas and office supplies 1 additional rewards dollars on top of the 1 reward dollar for each one hundred dollars earned on net retail purchases.
Rewards Categories: Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category.
When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. There is no monthly point cap. Reward dollars earned are available for redemption for a 3-year term. Reward dollars expiring during the year will be cleared from the Program Account on the last day of the month in which they expire. Businesses may redeem reward dollars for i cash back to a First Citizens checking or savings account or credit card statement credits and ii Pay Me Back statement credits.
Base Rewards Tier: Earns i one 1 point for each dollar you spend for net retail purchases gross retail purchases less any returns or credits , ii three 3 points for each dollar you spend for net retail purchases in the follow rewards category: gas stations 2 additional points on top of the 1 point per dollar earned on net retail purchases , iii two 2 points for each dollar you spend for net retail purchases in the following rewards categories: restaurants and travel airlines, auto rental, and lodging 1 additional point on top of the 1 point per dollar earned on net retail purchases.
Businesses may earn up to 10, points per calendar month, excluding bonus points. Points earned are available for redemption for a 3 year term. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.
Businesses in the Base Rewards Tier may redeem points for i cash back to a First Citizens checking or savings account or credit card statement credits, ii credit towards a First Citizens personal loan or mortgage principal, iii Pay Me Back statement credits, iv travel rewards, including airline tickets, hotel, car rentals, cruises and tours, v retail gift cards and certificates and vi merchandise and vii donations.
The following questions will allow us to assess and review information about your organization and hold in our active file for Community Reinvestment Act CRA evaluation. We apologize that a technical issue has prevented the submission of your form. Please either try again or give us a call. Upon selecting Submit , we'll process the information for CRA qualification and respond to you within 60 days or less.
Thank you. Please don't share sensitive information, such as passwords, account numbers, credit card info, etc.
Please allow 2 business days for a response. For immediate assistance, call from 8 am to 6 pm ET , Monday through Friday. If you prefer to speak with someone directly, please give us a call. Get the right coverage to give you and your family peace of mind. A consultant will contact you in 2 to 3 business days.
A member of our hemp banking team will be in touch within one business day. If you prefer to speak with someone directly, please give us a call or visit a branch. Thank you for your interest in the Dan Clifton webinar. Please complete the short form and a Wealth partner will contact you soon with the replay information. Our representatives are available Monday through Sunday between the hours of 7 am and 11 pm ET. Thank you for contacting First Citizens Bank. We appreciate your business.
Online Brokerage. Portfolio Online. Retirement Plan Access. Financial Planning Tool. Stellar Technology - Fund. Remote Image Deposit. Automated Payables. Lockbox Portal. Smart Returns. My Insurance Center. Merchant eConnections. Merchant Insights. American Express Supplies. Purchasing Card. Not valid with any other promotional offers. At the Accelerated Rewards Tier, you will earn 1. Earned points are calculated on actual dollars spent rounded up or down to the nearest point.
Points will be deducted from the available rewards account balance for all returned purchases. Redemptions start as low as 10, points. Some limitations may apply. Cash back and account credit redemptions must be completed through the Program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center. The redemptions will post within business days.
No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal.
Cardholders in the Accelerated Rewards Tier may redeem 50, points for one continental flight when the flight is booked at least 21 days in advance and includes a Saturday night stay.
Redemptions are also available for travel, including airline tickets, hotel, car rentals, cruises and tours, retail gift cards and certificates, donations and merchandise. Some exclusions apply to certain categories of transactions. No statement credit will be applied, in whole or in part, against any monthly minimum payment due. These terms are only a summary. Earned reward dollars are calculated on actual dollars spent rounded up or down to the nearest point.
Reward dollars will be deducted from the available rewards account balance for all returned purchases. There is no monthly earnings cap. Reward dollars earned are available for redemption for 3 years. Reward dollars expiring during the year will be cleared from your Program Account on the last day of the month in which they expire. Cash back and account credit redemptions must be completed through the program website, however a statement credit back to your First Citizens Card can also be redeemed through the First Citizens Rewards Call Center.
The redemptions will post within 2 to 8 business days. You may redeem rewards dollars for account credits to be deposited to your First Citizens checking or savings account or applied to your First Citizens credit card, consumer loan or mortgage.
With Cash Rewards, you will earn one and a half 1. There's no monthly earnings cap. Reward dollars expiring during the year will be cleared from your program account on the last day of the month in which they expire.
Redemptions start as low as 25 reward dollars. Cash back and account credit redemptions must be completed through the program website. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due. However, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal. You may redeem reward dollars for account credits to be deposited to your First Citizens checking or savings account or applied to your First Citizens credit card, consumer loan or mortgage.
With Rewards, you will earn three 3 points on fuel and select streaming services, two 2 points on grocery and drug stores, and one 1 point for each net dollar you spend gross purchases less any returns or credits.
Cardholders may earn up to 10, points per calendar month. Points earned are available for redemption for a 3-year term. After the 3-year term, points expire and can no longer be redeemed. Points expiring during the year will be cleared from your program account on the last day of the month in which they expire.
All rewards redemptions can be made through the First Citizens Rewards Center by telephone or through the program website. Some limitations apply. Redemptions are also available for retail gift cards and certificates, donations and merchandise.
With Travel Rewards, you will earn three 3 points on travel, two 2 points on dining, and one and a half 1. Qualifying transactions are those purchases made on select US domestic-originated flights on certain US domestic airline carriers that include seating upgrades, ticket change or cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers.
Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify.
If you'd prefer to talk with someone directly, you can call or search our local directory to find a mortgage banker near you. Sign up for the VIP experience—an interest-bearing personal checking account with the best features. Still not sure? Compare Accounts. Need to make a change? Start Over. Find answers to some commonly asked questions. General Where can I find my routing and account numbers?
You can also find your routing and account numbers on checks or in Digital Banking. On checks Your routing number is listed as the first sequence of numbers at the bottom left corner of your personal checks—typically a 9-digit number. Can I set up automatic deposits to my First Citizens account? How do I set up direct deposit? Direct deposit of federal payments can be set up in several ways: Enroll online at GoDirect. How do I change the address on my accounts? Can I send an email?
On what holidays is First Citizens closed? What amount of insurance coverage do I have for my accounts? What is the FDIC? What does it mean when your accounts are FDIC insured?
How much money is covered by the FDIC? Have questions about the FDIC? What is posting order? In what order do transactions post? Assuming that all example transactions below are made and received by us within the same business day, they'll post to your account in the following order: Internal credit transfers: Credit transfers you make, either online, by ATM or by our automated telephone service, from one of your accounts to another one of your accounts at First Citizens.
For example: A transfer from your savings account to your checking account performed in Digital Banking is an internal credit transfer to your checking account. Priority debit transactions with available funds: Transactions you initiate with your ATM or debit card that First Citizens authorizes at the time of the transaction, based on your account having sufficient available funds to cover the transaction.
For example: A department store purchase made with your debit card when adequate funds are available in your account or in your Premium Overdraft Service. Priority debit transactions without available funds: Transactions you initiate with your ATM or debit card that First Citizens authorizes at the time of the transaction, even though your account doesn't have sufficient available funds to cover the transaction.
For example: A department store purchase made with your debit card when adequate funds aren't available in your account and the transaction is authorized using your Basic Overdraft Service.
Please note that this only applies to you if you have enrolled in our Basic Overdraft Service. Deposits and other credits: Your deposits, other credit transactions such as ACH and wire credit transfers, teller-credited items, and ATM deposits and credit transfers made by First Citizens such as corrections and fee reversals.
For example: A check or cash you deposit at the branch. Teller-cashed checks and charge-backs: Teller-cashed checks are checks you write that the payee cashes with a First Citizens associate. Charge-backs are items you deposit to your account that are subsequently returned by the paying bank and charged-back to your account. For example: A check written to your friend that they cash. Or a check you previously deposited that was returned by the paying bank—we must retrieve the funds from your account by way of a charge-back to your account.
Debit transactions resulting from credit reversals made by First Citizens. For example: Double posting of a deposit. As a result, you received your payroll amount as two separate credits to your account. Your employer realized the mistake and requested that First Citizens reverse the second credit to your account.
Internal debit transfers: Debit transfers you make, either online, by ATM or by telephone, from one of your First Citizens accounts to another. For example: A transfer from your checking account to your money market account performed from an ATM.
This is a debit transfer to your checking account. All other debits: Checks and other debits you initiate including ACH debits and debit card transactions that First Citizens preauthorizes for an amount not specific to your purchase.
These are sometimes called pay-at-the-pump transactions. For example: A check written to your friend that they brought to their bank to cash. Or a gas station purchase you make at the pump using your debit card. Bank debits for fees, services and other account charges.
Cash management sweeps for select business accounts only. How does posting order affect my accounts? Do business account transactions post in the same order as personal? What are credits and debits? What's the difference between current balance and available balance? What's an insufficient funds fee? How do I reorder checks?
Go to Harland Clarke - Check Ordering Log in with your routing or transit number and the account number from your checking account. Don't know where to find these numbers?
Don't worry, an example check is available for clarification. Choose the checks and accessories you want to purchase. How do I place a stop payment on an outstanding check? What's the fee? What is the address for mailing a payment to my First Citizens installment loan? How do I learn more about career opportunities or apply for jobs at First Citizens? Checking Where can I find my routing and account numbers?
What are the fees associated with my checking account? Are ATM and Visa debit card transactions deducted immediately from my available balance? What's an overdraft fee? What does basic overdraft coverage mean?
Can I change my overdraft protection coverage? Can I enroll in premium overdraft protection if I've opted in to basic overdraft service with ATM and debit card coverage? What if I have more than one bank account? What happens if I don't enroll in overdraft protection? What is overdraft protection? What is an overdraft? How do I report my debit card lost or stolen? What are the system requirements to open an account online? The minimum system requirements for supported browsers include: Desktop: Apple Safari - 11 or higher Google Chrome - 65 or higher Microsoft Edge - 42 or higher Microsoft Internet Explorer - Is my free checking account secure?
How do I manage my free checking account? Where can I open a free checking account? What if I overdraft my free checking account? Does my free checking account come with a debit card? What is a free checking account used for? Together Card What is the Together Card? Can I use the Together Card immediately after adding money? How do I set up direct deposits to my Together Card account? What happens if there isn't enough money in my Together Card account to make my purchase?
Is there a limit to the number of Together Card accounts I can have? There is no limit to the number of Together Card accounts that you can have. Savings Can I set up automatic deposits to my First Citizens savings account? Can I use my Visa debit card or ATM card to make deposits to, withdrawals from, or transfers to or from my savings account? How is interest paid? Interest is compounded daily and paid monthly.
Interest rates may change daily. How do I choose the best savings account for me? Credit Cards What's Visa Signature? What's an APR? An APR, or annual percentage rate, represents the cost of credit on a yearly basis. Can I access my credit card information online? How do I dispute a charge that appears on my credit card? How can I make payments on my credit card?
If I pay my credit card online, when can I expect the payment to post to my account? If I have questions related to my point balance on my First Citizens Rewards account, whom do I contact? Do I need to enroll in the cell phone protection program? Is a lost cell phone covered? Phones that are lost or misplaced aren't covered. Are my phone case and charger also covered?
Should I cancel my existing cell phone protection? What do I need to submit with my claim? How will I be reimbursed for a cell phone protection claim? What happens if I don't pay off the transferred balance by the end of the promotional period? Is there a credit card balance transfer fee? How long does a credit card balance transfer take? What information do I need to complete a balance transfer? Does my balance transfer need to post to my account within the day window to qualify for the introductory rate?
Do I receive any rewards on a credit card balance transfer? Points or rewards dollars aren't accrued on balance transfers or associated fees. Can I transfer balances from any credit card or loan? What is a credit card balance transfer? When does the day window for the introductory balance transfer offer begin? The day window begins the day your credit card is approved.
Why would a balance transfer be denied? How is my Visa Gift Card different than a store gift card or gift certificate? When can someone begin using the card? Do I have to accept the cardholder agreement? I received the Visa Gift Card as a gift from someone. Should I activate my card? Activating your card has several benefits: Activation enables you to make purchases online.
Most online retailers don't accept payments without a valid billing address. The address you provide during activation will serve as the billing address that retailers require. It enables Customer Service Representatives to quickly assist you when you need assistance. It helps protect you if your card is ever lost or stolen. If my Visa Gift Card doesn't have my name on it, do I still sign my name on the receipt?
Can I make purchases for more than the amount remaining on my Visa Gift Card? Can I use my Visa Gift Card online? How can I check the balance on my Visa Gift Card? What should I do if my Visa Gift Card is lost or stolen? How long can I use my Visa Gift Card? Home Equity How is a home equity line of credit different than a home equity loan? There are a few key differences between a home equity loan and a line of credit, including: Interest rate: Home equity loans offer a fixed rate for the life of the loan or with a balloon payment dependent upon the loan term.
We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.
They will generally be available no later than the seventh business day after the day of your deposit. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. For example, the checks must be payable to you and you may have to use a special deposit slip. If your deposit of these checks other than a U.
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