Frequently Asked Questions

Digital Banking

General Questions

First Citizens Digital Banking is a free service designed to give you a powerful, comprehensive set of online and mobile banking tools. It is intuitive, easy to use and works across all your devices – mobile phone, tablet and computer.

With First Citizens Digital Banking, you can:

  • Ability to view your business and/or personal First Citizens accounts – checking and savings accounts, CDs, IRAs, loans, credit cards, lines of credit, brokerage accounts, trust accounts, mortgages – from a mobile phone, tablet and computer
  • View transactions, check and deposit images, and a real-time running balance for your business and personal accounts
  • Make payments or move money with ACH and wire transfer services
  • Set up additional users and customize your account access
  • Approve transactions initiated by an authorized user on-the-go with mobile approval
  • Deposit checks from a mobile phone or tablet (mobile app required)
  • Transfer funds internally
  • Transfer money to another First Citizens customer
  • Enroll in and view e.statements
  • Enroll in account alerts to stay in touch with account activity
  • Pay bills in one single session

All you need to use First Citizens Digital Banking is an Internet connection and a current version of a web browser. We recommend you use the most up-to-date versions of Internet Explorer, Chrome, Firefox and Safari. Minimum system requirements are:
  • Internet Explorer (IE) 11 and higher
  • Chrome 38 and higher
  • Firefox 33 and higher
  • Safari 7.0 and higher
You will need to visit your local branch or call us. We'll be glad to help you. A First Citizens business account is required for businesses to enroll in First Citizens Digital Banking.

First Citizens Digital Banking and Bill Pay are free to all First Citizens business customers. However, fees may apply to certain services used in digital banking, such as multi-user access, ACH payments, and wire transfers. Other account-related fees that exist today still apply. For further details, see the Digital Banking fee schedule.
When your enrollment is complete, you will have immediate access to begin using First Citizens Digital Banking.
Your session will time-out when it remains inactive for a certain period. Activity is anything that creates an interaction between your browser and our web site. For example, typing into fields on a web page does not constitute activity. However, clicking on buttons or following links creates activity between your browser and our web site. If you do nothing for the specified timeout period, your Digital Banking session is terminated.
Use the Log Out button to safely end your session. This will log you out and prevent someone from coming along behind you and accessing your bank information.
Yes, you can update your phone number, email address, and mailing address within Profile and Preferences. From the left navigation menu select Profile and Preferences, then select Profile and Contact Info.

Digital Banking Login

You can log in from any of your devices — computer, tablet or mobile phone. To get started, simply follow the steps below:

  1. Select “New User Login” from the login box located on the left side of the home page (ensure Digital Banking is selected from the drop-down box)
  2. Enter the Login ID you selected when you opened your account, and follow the steps to receive and enter your one-time Secure Access Code.

If you will be using the device regularly, we recommend selecting the option to “Register Device” to avoid entering a temporary Secure Access Code every time you log in.

Still have questions? View our login demo to learn more.

To log in for the first time or register your device, you will need to have access to at least one of your preferred contact methods to receive a one-time Secure Access Code. If you don't have access and need immediate assistance please call Business Support at 1.866.FCB 4BIZ (1.866.322.4249) daily from 7:00 a.m. to 11:00 p.m. Eastern time or visit your local branch.
There are several possible reasons you may need to register a browser or device again, including:
  • Your browser settings are configured to delete cookies.
  • Your browser cookies for Digital Banking were removed.
  • You use a browser plugin that automatically removes browser cookies when you close the browser.
  • You log in with a different browser on the same registered computer.
  • You deleted and reinstalled the mobile banking app.
  • For security reasons, we may have reset all active registrations for all users.

On a computer browser, you delete all internet browser cookies. See your browser help for information about deleting cookies.

On a tablet or mobile phone, the registration information is automatically uninstalled when you delete the mobile banking app.

You can change your Login ID and/or Password by selecting the Forgot ID/Forgot Password link in the login box on the left side of the home page.

When changing your Login ID or Password, please follow the guidelines below:

  • Login IDs must be 6-14 characters
  • Your Login ID cannot be the same as your password.
  • Passwords are case sensitive and must be between 8-14 characters long, and must include at least one uppercase letter, one number and one special character. Your password cannot be the same as your Login ID.
If you enter the wrong password too many times, your Digital Banking access will be denied.

Please call Business Support at 1.866.FCB 4BIZ (1.866.322.4249) daily from 7:00 a.m. to 11:00 p.m. Eastern time to have your Secure Login reset.

The most common reason for getting locked out is typing an incorrect Password. This usually happens when the CAPS LOCK is accidentally enabled. Since your Password is case sensitive, the use of a capital letter when it should be lower case will be recognized as an incorrect Password. Another cause of getting locked out continuously is the use of an incompatible browser version. If you know you are keying in your Password correctly (also in the right case), you will want to check the version of your browser. More than likely the browser you are using is not a current version, and you will need to upgrade. If you are locked out, please use the Forgot My Customer ID/Password link or contact Business Support at 1.866.FCB 4BIZ (1.866.322.4249) daily from 7:00 a.m. to 11:00 p.m. Eastern time to reset your Password.

Accounts

You will be able to view all of your First Citizen’s business accounts and/or personal accounts. This includes business checking and savings, CDs, IRAs, business loans, credit cards and lines of credit.
We have made it easy for you to customize your view of the Accounts page to suit your personal preferences.
  • Add New Account Group - select the account you want to put into a new group, then hold and drag that account over the Inbox icon that will appear in the bottom right corner of your screen and release the account. A new section will appear titled New Group. You can continue to select and drag other accounts to drop into the newly added group. To rename the group, click on the pencil icon next to the title, edit and click on the checkmark to save.
  • Re-order Account List- select the account you want to move and hold while you drag the account to its new location. You can reorder accounts within a group, or you can drag and drop accounts into a new group or a preexisting group.
  • Edit Group Name - select the pencil icon next to the title, edit and click on the checkmark to save.
Yes, to give your account a nickname, go to “Profile and Preferences” in the left navigation and select “Account Preferences.” On the Account Preferences page, click on the account you want to nickname and then click on the pencil icon next to the current account name, rename it and click on the checkmark to save.
Yes, to hide an account from the Accounts page, go to “Profile and Preferences” in the left navigation and select “Account Preferences.” On the Account Preferences page, click on the account you want to hide and then click on the blue “Visible” button and follow the confirmation steps.
Yes. You will be able to view the front and back images of your checks. Simply click on your account name (from the Account tab or the homepage), then click on the check number to view the image. Images of deposited items are limited to the deposit slip and can be viewed by clicking on the link in the deposit transaction detail.
The Tracking ID is a unique identifier for each transaction that you create in Digital Banking. It is a reliable way to reference a transaction. Tracking IDs appear in the transaction details on the Activity Center page. When you use secure messages to inquire about an account or a transaction, the message automatically includes the tracking ID.

The Online Activity Center page contains all transactions initiated in Digital Banking including ACH payments, wire transfers, tax payments and checks deposited through mobile deposit. The Online Activity Center page does not include transactions that you make by other means, such as ATM or debit card transactions. The Online Activity page also shows the status of each electronic transaction as it moves from a drafted status to approved then processed.

The Account Details page is a record of processed and cleared transactions against your account from all sources. This information may contain many of the same items that you will see on your bank statement. The Account Details page does not include transactions that have been drafted, approved, or canceled in Digital Banking, only those that have already cleared or that will clear your account the next processing day.

An e.statement is an electronic version of your monthly account statement that can be viewed in Digital Banking. As part of e.statement enrollment, you will receive an email notification letting you know when your statement is available to view in Digital Banking. You can save and print your statement. A printed version of an online statement is the same as a paper statement mailed through the U.S. Mail.
Certain account types cannot be delivered via e.statements, such as CDs, mortgages and brokerage accounts.
Current eligible accounts for e.statements include:
  • Checking Accounts
  • Savings Accounts
  • Credit Cards
Checking and savings account e.statements are accessible for 16 months. Credit card e.statements are accessible for 12 months.
It is likely that the pop-up box is being blocked by a pop-up blocker or a toolbar pop-up blocker. Make sure you have allowed pop-ups for the Digital Banking site in your browser settings. You can disable the pop-up blocker or add the digital banking site as an allowed site. If you still cannot see you e.statement, please make sure you have Adobe installed on your computer. Click her for help installing Adobe, Opens in a new tab.

Transferring Money

You can transfer money to your First Citizens checking accounts, savings accounts, money market accounts, credit cards, business loans, and some lines of credit. A transfer to a credit account will post to your accounts as a payment by the next business day. A transfer to your First Citizens credit card made before 9 PM ET is credited the same day. Your transfer could take 2 business days to post to your credit card account.
You can transfer from your checking, savings, money market and some lines of credit accounts.
You can transfer funds from your First Citizens checking and savings accounts to accounts you have at other financial institutions using the single item ACH feature. However, you cannot initiate a transfer within First Citizens Digital Banking from your account at another financial institution to your First Citizens account.
Yes. To make a payment, simply log in to Digital Banking, select “Payments and Transfers” from the left navigation menu, and then select “Pay Loan or Credit Card.” A transfer to a credit account will post to your account as a payment by the next business day. A transfer to your First Citizens credit card made before 9 PM ET is credited the same day. Your transfer could take 2 business days to post to your credit card account.
Yes. You can transfer money instantly to another First Citizens business or consumer customer as long as they are also a Digital Banking customer. Simply select “Payments and Transfers” from the left navigation menu, then select “Pay Bank Customer.” You will need to have the recipient's account type, email address associated with their Digital Banking account and last four digits of their account number.

You can choose to make a single transfer to another account holder or link another account holder's account (for deposit purposes only) to your digital banking. If you plan to make more than one transfer to the other account holder, or if you need to create a recurring or future-dated transfer, linking the account is required. Once the account is linked, it will appear under transfer funds as an account that can be transferred “to.”

You can view and manage your pending and processed transfers within Manage Online Activity.
You can use the Online Activity page to cancel transfers. You can cancel one or more transfers if the status is Drafted or Pending. Once transfers are processed, they cannot be canceled.

Business Services – ACH Payments, Wire Transfers, Tax Payments & User Management

Initiation of ACH payment and payroll batches, or ACH single payments, are supported to make payments to vendors, suppliers, and individuals. ACH transactions are processed on a prefunded basis (based on available funds). You must enroll in advance for access to ACH services within Digital Banking. A monthly fee applies for ACH batch module access and a fee applies to each transaction within an ACH batch or each ACH single payment. The initiation of ACH collection transactions and the transmittal of ACH entries via NACHA formatted file upload are not supported.*
Wires can be sent to US recipients using the Routing Transit Number (RTN) for the US financial institution. You must enroll in advance for access to wire transfer services via Digital Banking. A monthly fee applies for wire module access and a per transaction fee applies to each wire transaction.*
Through User Management, you can create additional users for your business, grant access to accounts and customize account and transaction level access, including designating the authority to initiate, approve, and cancel transactions and make mobile deposits. You can also manage users on the go with mobile and tablet banking. A fee applies for additional users.*
You can pay both federal and state tax payments. Once the federal or state taxing entity is selected, the eligible taxes for that entity are populated. Selecting a specific tax type for the taxing entity then populates the specific entry fields required for that tax type. A per transaction fee applies to each Tax Payment transaction.*
The Mobile Authorizations feature allows your business to set users up to approve transactions on their mobile devices. This involves creating a mobile authorization code for the user, entering contact information for the user, and specifying the types of transactions eligible for mobile approvals for the user. The user will then be able to approve the specified types of transactions on their tablet or mobile phone.*

Online Bill Pay

First Citizens Bill Pay is secure, convenient and free. With Bill Pay, you can pay anyone in the United States from any device – mobile phone, tablet or computer – in a single session. You can also:
  • Pay a single bill or multiple bills at once
  • Receive bills electronically with eBills
  • Receive protection in the event of unauthorized transactions or processing delays
  • Save time and money by not having to buy stamps and physically mail payments
Bill Pay is free for First Citizens Digital Banking customers. Other account-related fees still apply. For further details, see the Digital Banking Fee Schedule.

You can pay any individual, company (or other entities) or bank/credit unions within the United States. To make a payment to a business, you will need to provide a valid name, address, phone number and your account number with that biller. Merchants rely on the account number to post the payment properly, so please make sure you are providing the correct information.

The payment of taxes, court-ordered payments, payments to transfer funds to another bank account, and payments to payees located outside the continental United States are prohibited through the Bill Pay service. You will be solely responsible for any payments to prohibited payees if we refuse to make the payment.

eBills are electronic versions of paper bills delivered directly to your bill pay account. You must sign up separately to receive eBills from available payees. Once enrolled in eBills, you will receive electronic notifications when your eBills have been received and are available for payment.
You can pay your bills from any First Citizens checking account listed on your Accounts page within Digital Banking. When you access Bill Pay for the first time, you will be asked to select a “Pay From Account” to begin. If you would like to add another checking account to the service, simply select “My Account” within the Bill Pay service, then select “Add Account” from the “Pay From” accounts box. Added accounts are subject to approval.
The bill payment system determines which payments are processed electronically and which are processed as a check. If electronic payment is not accepted for a specific payment, a check is cut and mailed to the address you provided. You can generally tell if the payment will be sent electronically or by check by the next available payment date.
Set up your payments for the date the money is to arrive at the payee. Processing starts before that date so that your payment will arrive on time. At minimum, the payment date you select for your payment must be no later than the date you want the payee to receive the payment. In order to ensure your payment is made on time, if your payment due date falls on a non-business day, you should select a payment date that is at least one business day before the payment due date. Some payees require payments to be received before a certain time of the day (such as 2 p.m.) on the payment due date. In such cases, the payment date you select should be at least one business day before the payment due date. The payment date you enter in your payment instructions should also be prior to any late date or grace period. (From the Digital Banking Agreement).
You may change or cancel a payment listed in the pending payments list as long as it has not started processing. If a payment is in process, please contact us at 1.866.FCB 4BIZ (1.866.322.4249). If a payment has already been made, there is no option to change or cancel the payment.
Yes. To view you previous bill pay history select view more under history on the bottom of the Payments tab. Once the history page displays select history prior to 10/24/2016 from the navigation.
In most cases, your account is debited when an electronic payment is processed. If the payment is mailed, the account is debited when the check is cashed or deposited.
You should plan for the payment to take the same amount of time it would if you were mailing a check.
You can enter N/A or Not Applicable in the Account Number field, but this may make the posting of your payment more difficult for the recipient.
If you think you have a bill payment problem, it may be related to the time it takes a merchant to post a payment to your account, rather than the time it takes the payment to arrive. You may wish to contact the merchant first to see if there were any delays in posting the payment to your account.

All payments sent through the Bill Pay system will include the account number you provided when you set up the payee. You may want to confirm the account number you provided is accurate.

If a payment has been outstanding for more than five business days, we can open a payment investigation at your request. We will work with the merchant to find out where your payment is in the payment process and why it is taking so long for the merchant to post the payment to your account. We will work with the merchant until your payment investigation is resolved and provide updates to you through bank mail.

Payees could return a bill payment for an invalid address or account number. The post office will also return a bill payment because of an invalid address.
Once a payment has been made, it will be clearly itemized on your monthly bank statement. You will be able to see the payment in your transaction list within Digital Banking as soon as it posts to your account. Keep in mind that we only make the payments you authorize. You are in control of your account at all times.

First Citizens Mobile and Tablet Banking

No, First Citizens Digital Banking is an intuitive, easy-to-use solution designed to let you bank how, when and where it's most convenient for you. You can access Digital Banking from all of your devices – mobile phone, tablet and computer through your web browser. In addition, we do have Apple® and AndroidTM tablet and phone apps that are available for download. The Apps allow customers to have simpler login options, such as fingerprint and 4-digit PIN, and to deposit checks via mobile deposits.
First Citizens Mobile and Tablet Apps for iPhone®, iPad® and AndroidTM devices put you in control of your banking relationship and help you securely and conveniently:
  • Log-in using fingerprint and 4-digit PIN
  • View your business and/or personal First Citizens accounts - checking and savings accounts, CDs, IRAs, loans, credit cards, lines of credit, brokerage accounts, trust accounts, mortgages – from a mobile phone, tablet and computer
  • Link and view your accounts from other financial institutions, including account summary and transaction history for those accounts
  • View transactions, check and deposit images, and a real-time running balance for your business and personal accounts
  • Make payments or move money with ACH and wire transfer services
  • Set up additional users and customize your account access
  • Approve transactions initiated by an authorized user on-the-go with mobile approval
  • Create and manage budgets across all of your financial relationships
  • Monitor spending patterns
  • Deposit checks using your iPhone® or AndroidTM device
  • Transfer funds internally
  • Transfer money to another First Citizens customer
  • Enroll in and view e.statements
  • Enroll in account alerts to stay in touch with account activity
  • Pay bills in one single session
  • Locate nearby branches and ATMs using your phone's GPS capability, or by searching by street address, city, state and zip code

You can do all of this and more simply by downloading our Mobile or Tablet App, available in the App Store, Opens in a new tab and Google Play, Opens in a new tab Store.

*First Citizens does not charge fees to download or use the First Citizens Mobile and Tablet Banking app or First Citizens Text Banking. However, fees may apply for using services in Mobile and Tablet Banking. Your mobile carrier may charge for data and text message usage. Check with your carrier for more information.

Currently, downloadable Mobile and Tablet Apps are available for:
  • iPhone®, iPad{R]* and iPod® Touch devices with operating system iOS 8 or later
  • AndroidTM mobile and Tablet devices with an operating system of 5.0.1 or later
First Citizens does not charge fees to download or use the First Citizens Mobile or Tablet Banking apps however, there may be a fee for using services in Mobile and Tablet Banking. As well, your mobile carrier may charge for data and text message usage. Check with your carrier for more information.

First Citizens Digital Banking customers can download the apps within the Apple® App, Opens in a new tab Store and Google Play, Opens in a new tab Store. To find the First Citizens Mobile and Tablet Banking apps, locate the Search feature and type in First Citizens Mobile Banking

Remember to check the First Citizens logo to make sure you recognize it as the correct bank. There are multiple banks with the name First Citizens Bank. As a reminder, First Citizens is headquartered in Raleigh, NC. This will appear in the app description.

Yes, the Apple® and AndroidTM apps support fingerprint login. To enable Touch ID® on your device, login to the app and click on the Profile and Preferences from the left navigation menu and then select Log In Preferences.
Yes, both the Apple® and AndroidTM mobile and tablet apps support 4-digit PIN login. To enable 4-digit PIN on your device, login to the app and click on the Profile and Preferences from the left navigation menu and then select Log In Preferences.
Mobile check deposit allows you to deposit checks from your iPhone®, iPad® or AndroidTM app. Simply take a picture of the front and back of your endorsed check, and then submit it for deposit to your First Citizens Bank checking, savings or money market account. For more information, please refer to Mobile Check Deposit.
First Citizens Bank provides 10 check deposits per calendar month at no charge and then charges $.50 for each additional check deposit during that calendar month.
Yes. New payees can be added in the mobile and tablet apps.
Yes, you can add or delete payees, make a payment, modify payments and view payment history all within your mobile and tablets app.
Yes. New payees can be added in the mobile and tablet apps.
When you are scheduling payments, the payment date will default to the earliest possible date. Payments cannot be set up to pay on weekends, major holidays when First Citizens is closed or more than 12 months in advance.
You may change or cancel a payment listed in the pending payments list as long as it has not started processing. If a payment is in process, please contact us at 1.866.FCB 4BIZ (1.866.322.4BIZ). If a payment has already been made, there is no option to change or cancel the payment.
If you need to reset your login ID or password, simply click on the “Forgot Login ID” or “Forgot Password” links on the app login screen.
You can access the same business accounts on the mobile and tablet apps that you can access in Digital Banking, including:
  • Checking
  • Savings
  • Money Market
  • Certificate of Deposit (CD)
  • Individual Retirement Account (IRA)
  • Credit Card
  • Line of Credit
  • Loan
  • Mortgage Loans
Mobile Banking should work outside of the U.S. as long as your mobile service provider has Internet service in the country you are visiting. However, First Citizens makes no guarantees about international coverage or availability. Check with your carrier for more information about international service coverage, roaming charges, Internet access, and message and data charges.
No, Mobile Banking is currently only available in English.
Personal accounts are accessible through Digital Banking, including the mobile and tablet apps, if they are tied to your Digital Banking profile.

Mobile Deposit

Mobile check deposit allows you to deposit checks from your iPhone® iPad® or AndroidTM app. Simply take a picture of the front and back of your endorsed check, and then submit it for deposit to your First Citizens Bank checking, savings or money market account. For full details, please refer to the Digital Banking Terms and Conditions.
First Citizens Bank provides 10 check deposits per calendar month at no charge and then charges $.50 for each additional check deposit during that calendar month.
  • The maximum deposit limit for Consumers is $5,000 daily and $15,000 monthly.
  • The maximum deposit limit for Businesses is $15,000 daily and $30,000 monthly. Mobile Check Deposit is not available to BOB Advantage® customers.
  • The maximum deposit limit for Wealth customers is $15,000 daily and $30,000 monthly.

*These limits are for illustrative purposes only. Your actual limit may vary based on your account type, transaction history, overall banking relationship, and other factors determined by First Citizens Bank. Your actual deposit limit may be higher or lower than the limits shown here.

There are no limits for the number of deposits you can make per day. However you cannot exceed the maximum daily or monthly deposit amount limits.

Funds deposited using Mobile Check Deposit will generally be made available within 3 business days from the day of deposit. However, availability of funds deposited may be delayed for a longer period under certain circumstances. Deposits received and accepted by 9:00 p.m. Eastern time on a business day we are open is considered to be received that day. Deposits received after 9:00 p.m. Eastern time will be received on the next business day.

Deposits are subject to verification and will not be available for immediate withdrawal. Deposits made using Mobile Check Deposit are not subject to the funds availability requirements of Regulation CC.

All checks should be properly endorsed prior to deposit.
Once the check has been deposited successfully, you should keep the check in a safe place for 30 days. Once the deposit has been verified and the 30 days has elapsed, mark the check “Void” and destroy it.
First Citizens Mobile Check Deposit will accept several check types, as outlined below:
  • Checks Allowed for Deposit:
    • Personal, business and government checks payable in U.S. dollars
    • Checks drawn on a U.S. bank
    • Checks payable and endorsed by the account holder
  • Checks NOT Allowed for Deposit:
    • U.S. postal money orders and savings bonds
    • Foreign or international checks
    • Traveler's checks
    • Money orders
    • Convenience checks or checks drawn from a line of credit

For full details, please refer to the Digital Banking Terms and Conditions.

Previous deposits and status are available from the Manage Online Activity page under the Payments and Transfers navigation menu.

Message and Alerts

Alerts can help you manage your money and stay in touch with your business accounts any time via email or text message. We offer two types of alerts - Security alerts and Account alerts. Some Security Alerts are required and will keep you informed about changes to your online profile. Account Alerts are optional and will notify you about specific activity occurring on your accounts.

To set up your Account Alerts, select Alerts from the left navigation menu, then Account Alerts to get started.

Security Message, security and transactional alerts are real-time. However, there are some alerts, such as daily balance summary and a balance over/under alert that are sent each morning.
If you miss an alert via phone call, the alert system leaves a message on voice mail. For email alerts, check your junk mail or spam folder for the alert. If the alert is in the junk mail folder, configure your junk mail settings to allow email from us so you do not miss future alerts. If the alert does not appear in the inbox, confirm that the alert is enabled in the Alerts page. If the alert is enabled and you still believe you did not receive an alert, contact us for assistance.

Online and Mobile Security

After you have logged in, click on Profile and Preferences from the left navigation menu and then click Login Preferences. From this page you can reset your Login ID, Password, and Secure Delivery Method (contact point for receiving your one-time secure access code). If you are using the mobile or tablet app, you can also manage touch ID and 4-digit PIN access. If you are unable to log in, please call Business Support at 1.866.FCB 4BIZ (1.866.322.4249) daily from 7:00 a.m. to 11:00 p.m. Eastern time to have your Secure Login reset.
If you would like to see if any page is secure, simply click with your right mouse button on the page and choose Properties. A non-secure page will show the words “not encrypted” for connection. Rest assured, your entire session is secured. Also, whenever you visit the site, look for the green bar in your browser. It indicates that the website is highly authenticated and secure.
Several things influence your connection speed. Your PC 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 make the call for 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.
Make sure you have a good Internet connection. When dialing, check the speed at which you connect. Check your network/communication settings to make sure you can connect as fast as possible. Check with your Internet service provider to see if they have recommendations for faster connections. Check your browser and make sure you delete temporary files from time to time. Most browsers save files locally for faster access later. If you end up with too many, you can actually slow things down as you look for new web pages.
The most common reason for getting locked out is keying an incorrect Password. This usually happens when the CAPS LOCK is accidentally used. Since your Password is case sensitive, the use of a capital letter when it should be lower case will be recognized as an incorrect Password. Another cause of getting locked out continuously is the use of an incompatible browser version. If you know you are keying in your Password correctly (also in the right case), you will want to check the version of your browser. More than likely the browser you are using is not a current version, and you will need to upgrade. If you are locked out, contact Business Support at 1.866.FCB 4BIZ (1.866.322.4249) daily from 7:00 a.m. to 11:00 p.m. Eastern time to reset your Password.
Your session will time-out when it remains inactive for a certain period. Activity is anything that creates an interaction between your browser and our web site. For example, typing into fields on a web page does not constitute activity. However, clicking on buttons or following links creates activity between your browser and our web site. If you do nothing for the specified timeout period, your Digital Banking session is terminated.
Use the Log Out button to safely end your session. This will log you out and prevent someone from coming along behind you and accessing your bank information.
Secure Login protects you from unauthorized online access to your accounts. It includes security layers that may be used to confirm your identity and also allows you to be sure you're at our secure online website before you enter your Password.

Yes. First Citizens Digital Banking gives you a single, easy-to-use solution that works across all your devices – mobile phone, tablet and computer.

If you travel internationally, you may be denied access from certain countries or find that you are asked to provide a secure access code, even if you registered your computer as a Private Computer.

While nothing prevents you from logging into Digital Banking from an airport kiosk, a public library computer, a hotel lobby computer or other computers that can be accessed by many people, those computers are at high risk of being modified by criminals to steal your Login ID and/or Password through use of criminal software. Features like Bill Pay can even be abused by criminal software to steal money while you are logged in without you knowing. If you can wait until you have access to the computer that you physically control, please wait until then.

Alternatively, First Citizens offers Mobile and Tablet Banking, which would be safer than using a public computer.

After you have logged in, click on Profile and Preferences from the left navigation menu and then click Login Preferences. From this page you can reset your Login ID, Password, and Secure Delivery Method (contact point for receiving your one-time secure access code). If you are in the mobile or tablet, you can also manage fingerprint and 4-digit PIN access. If you cannot log in, please call Business Support at 1.866.FCB 4BIZ (1.866.322.4249) daily from 7:00 a.m. to 11:00 p.m. Eastern time 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.
The most common reason for getting locked out is keying an incorrect Password. This usually happens when the CAPS LOCK is accidentally used. Since your Password is case sensitive, the use of a capital letter when it should be lower case will be recognized as an incorrect Password. Another cause of getting locked out continuously is the use of an incompatible browser version. If you know you are keying in your Password correctly (also in the right case), you will want to check the version of your browser. More than likely the browser you are using is not a current version, and you will need to upgrade. If you are locked out, contact Business Support at 1.866.FCB 4BIZ (1.866.322.4249) daily from 7:00 a.m. to 11:00 p.m. Eastern time to reset your Password.

Quicken & QuickBooks

Quicken and QuickBooks are examples of financial management software. You can use Digital Banking to download your transactions to this software in order to manage your finances.

If you need technical assistance or help getting started with your software or downloading transactions, please visit the Quicken2, Opens in a new tab or QuickBooks2, Opens in a new tab websites.

To save the Quicken Web Connect data to your computer, do the following:

  1. From within Quicken, click Edit then Preferences.
  2. Next, select Quicken Program, then click the “Web Connect” option.
  3. Check the box that reads “Give me the option of saving to a file whenever I download Web Connect data” and click OK.
  1. Open your Quicken software.
  2. Select the account you wish to access with Web Connect (checking, savings, etc.).
  3. Click the Overview tab, located above the Register.
  4. Under the Account Attributes section, click and select Change Online Services.
  5. The Financial Institution name, located just above “Transaction Download”, must reflect “First Citizens Bank, Web Connect” in order to function properly. If the Financial Institution name does NOT reflect this name, click and select “Deactivate” in the Transaction Download option.
  6. Once Transaction Download is deactivated, click the General Information tab at the top of the screen.
  7. Under the “Financial Institution” box, double click to view a list of all banks that are compatible with Quickens online services. Click and select the Institution “First Citizens Bank, Web Connect”.

    NOTE: If you are unable to locate “First Citizens Bank, Web Connect” in the list, click and select the One Step Update option. This option can be found under the Online menu, or simply by clicking the Update symbol next to the Back button. Uncheck all of the options under One Step Update, then select Update Now. This will update your Quicken software, which will also update your Financial Institution list to reflect the “First Citizens Bank, Web Connect” option.

  8. Click back onto the Online Services tab.
  9. Under the Transaction Download option, click the Activate button.
  10. You will then be directed to the First Citizens web site, along with instructions on how to use Web Connect. Log into Digital Banking and attempt to download your transactions. Once the transactions are downloaded, go back to your Quicken register. The downloaded transactions will be located just below your register.
  11. Click Accept All to add any or all of the downloaded transactions to your register.

Additional Information

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