About Online Banking

What is Online Banking?

Online Banking is a free service designed to help you easily manage your accounts. It uses the technology of the Internet and allows you to view your account information, transfer money between your accounts, pay your credit accounts, and perform other self-service tasks. Combined with the optional Bill Payment service, Online Banking makes it easy to manage all aspects of your financial well being. Click here to learn more about Bill Pay.

How easy is it to use?

You do not have to know a lot about computers to be able to use Online Banking, nor do you have to be at home to take care of your banking needs. For basic banking services, it is as easy as a click of your mouse. Using the Bill Pay service makes paying bills as simple as setting a date and an amount.

What do I need to use it?

All you need to use Online Banking is a First Citizens ATM card or Visa^® Check Card, an Internet connection, and a current version of a web browser. We recommend you use at least version 5.x of Internet Explorer or version 4.5 of Netscape Communicator.

How do I sign up?

You can sign up online if you currently have an active First Citizens ATM card or Visa Check Card. Click here to sign up online.

If you do not have an active First Citizens ATM card or Visa Check Card, please visit a branch or call us at 1.888.FC DIRECT (1.888.323.4732) and choose option 2. We'll be glad to help you sign up for a card and Online Banking at the same time.

Is the password case sensitive?

Yes. If you type your new password in all lower case letters, you will need to always type your password in lower case. Be careful of the CAPS LOCK key under the TAB key. It is a very easy and common mistake to press the CAPS LOCK key and then quickly lock yourself out of Online Banking.

Can joint account holders sign up?

Each account holder must have an ATM card or Visa Check Card. If they do, then each person may sign up for access. Since the Bill Pay service is associated with an individual, a joint account may not be shared as the Bill Pay account.

Is there any cost?

Online Banking and Online Bill Pay are free to all First Citizens customers.  Other account-related fees still apply.  For further details, see the fee schedule.

After I sign up, when can I start using it?

You will have access to Online Banking within two to five business days after you sign up and may begin using it then. Your welcome letter will contain very brief instructions and should arrive within five to seven days after sign up. Please contact us at 1.888.FC DIRECT (1.888.323.4732) if you do not promptly receive the welcome letter. If you enroll online, these first-time login instructions will also be provided on a confirmation screen and via e-mail.

How do I sign in to Online Banking the first time?

To access Online Banking, you will need to know your Customer ID and Password. This information is provided to you when you sign up, and in the welcome letter you receive. The welcome letter gives instructions on how to connect to Online Banking for the first time.

What accounts can I manage with Online Banking?

You will be able to view all of your personal accounts with Online Banking. This includes personal checking and savings, CDs, IRAs, consumer loans, credit cards, and lines of credit. You will see your Investor Services and Trust accounts but you must sign in to those online services to get account information or make trades.

Can I transfer money to my First Citizens credit card? To my consumer loan?

Yes. You can make transfers from any of your checking, savings, or money market accounts to your First Citizens credit cards, consumer loans, and lines of credit. A transfer to a credit account will post to your accounts as a payment by the next business day. You cannot transfer money to your Investor Services accounts.

Can I transfer money to my savings accounts? To my checking accounts?

Yes. You can make transfers from your checking, savings, or money market accounts to your First Citizens savings and checking accounts. Transfers can be set up as immediate, future dated, or recurring. A transfer to savings and checking accounts is immediate, but will post to your accounts by the next business day.

Can I view check images with Online Banking?

Yes. You will be able to view the front image of your check with Online Banking. Simply click on your account name (from the Account tab or the homepage), then click on the check number to view the image.