Online Banking Sign-In Quick Reference Guide

Secure Sign-In Enrollment

Before you can take advantage of the new Secure Sign-In feature, you’ll need to enroll. The one-time enrollment takes a few simple steps:

Step 1: Enter your Customer ID.

The initial screen in the enrollment process will ask for your Customer ID. The first time you visit Online Banking Secure Sign-In, your Customer ID is the card number you used for registration. After you complete the sign-in process, you should change your Customer ID to something that’s easy to remember. Click the Sign In button to continue.

Step 2: Enter your password and click Enroll Now.

After you enter your Customer ID, you will need to enter your password to proceed with Secure Sign-In enrollment. The Welcome E-mail sent when you signed up for netAccess gave instructions for your first-time password. If this isn’t your first time using netAccess, enter the password you previously created for your own use.

Step 3: Choose three challenge questions and a secret phrase to continue the Secure Sign-In enrollment process.

The challenge questions and answers you provide will help confirm your ID if you’re using an unregistered computer. We’ll show you the secret phrase during the sign-in procedure — that way you’ll know we recognize you when you sign in.

Step 4: Decide if you want us to remember the computer you’re using when you sign in.

If you register your computer, you’re telling us that you use this machine often, and we will recognize you when you sign in from this computer. If you sign in from an unregistered computer, we’ll ask you a challenge question in addition to your Customer ID and password. You should never register a public computer.

Click Continue to proceed with the enrollment process.

Step 5: Pick a secret picture that will always let you know you’re at our secure site.

You can choose from a picture category or from all categories. Use the Next button to display sets of pictures. When you see a picture you want to use, click the image (it should appear outlined) then click Continue.

Step 6: Confirm your information.

This is the last step in Secure Sign-In enrollment. If you want to change anything, use the Back button. If everything is as you like it, click the Confirm button.

When you click Confirm you will begin your online banking session.

If this is your first time using netAccess, you’ll need to accept the Online Agreement and then change your Customer ID and Password before you star.

Signing In After You’ve Enrolled

Once you’ve enrolled in Secure Sign-In, you may conduct your online banking session from either an unregistered or registered computer.

Signing In from a registered computer

Just enter your Customer ID and click Continue, and you’ll see the confirmation page.

At the confirmation page, always make sure you see your secret picture and phrase before you enter your password, whether using an unregistered or registered computer.

Do all of this whenever you want and at no charge with First Citizens netAccess. You can also pay your bills online with our Online Bill Pay service. The electric bill, the water bill, the whatever bill - you can pay it online in a matter of minutes. And if you are a Business Quest customer, Online Bill Pay is free. First Citizens netAccess and Online Bill Pay makes it easy to manage all your accounts and pay your bills. Now you'll have time for all the other things in your life.