Q. How can I make a payment online?
A. To make a payment online, you may transfer funds from your checking, savings or money market account. Simply click the Funds Transfer tab above, or click "Make a payment" in the Quick Links section below.

Q. What is the available credit?
A. Available credit is your total credit limit less your outstanding balance and any temporary authorizations.

Q. What is the outstanding balance?
A. The outstanding balance is the total of all the transactions that have posted to your account. It is not your minimum payment due.

Q. What is the estimated payoff?
A. The estimated payoff amount is an estimate based on the loan's outstanding principal balance at the close of business on the preceding business day, plus interest at the current interest rate and credit insurance premiums (if any) that will accrue by our daily cutoff time. As a consequence, the estimate may not include sums (such as late charges, prepayment penalties, or collection costs) properly chargeable to the loan account that have not yet been posted to the account, or transactions that have occurred since our cutoff time on the previous business day (such as payments or additional credit advances).

Q. How do I get the actual payoff amount?
A. A request for a "formal" payoff statement must (i) be submitted in writing, (ii) adequately identify the loan and the collateral, (iii) be signed by the requesting party, and (iv) be sent either by fax to the Bank's Deposit Operations Support Department (Payoff Request) at 919-716-7074 or by mail to First Citizens Bank, Deposit Operations Support Department (Payoff Request), DAC15, PO Box 27988, Raleigh, NC 27611. If collateral securing this loan also secures other obligations, we are not obligated to release collateral or cancel security instruments unless and until all secured by the collateral are paid in full and satisfied.

Q. How do I view details for another account?
A. Use the Choose Account drop-down menu in the upper right to select another of your accounts. Then click View to display the details for that account.

Q. What is Download Transaction Data and why should I do it?
A. The Download Transaction Data feature allows you to save transaction information as a file on your computer or on a disk. You can then import the file into your Quicken or Microsoft Money software. Clicking Download will save all the transactions displayed on the screen. If you wish to expand or narrow the list of transactions displayed, use the Filter Transactions feature before downloading.

Q. What is APR?
A. APR (Annual Percentage Rate) is a measure of the cost of credit expressed as a yearly rate.