Coronavirus Information

How We're Responding to COVID-19

Our commitment to safeguarding your money so you can focus on taking care of yourself and your family hasn't changed with the changing times. We appreciate your flexibility while we've focused on keeping you and our employees safe.

As we continue to monitor state and local health and safety COVID-19 guidelines and conditions, our top priority remains keeping everyone safe and healthy. If you're planning on visiting a branch, we encourage you to check our branch locator before heading out to be sure that particular location is open. Our drive-thru service remains a great option for checking and savings transactions. You can also use our mobile deposit service with Digital Banking.

Need financial assistance?

We can help

Call your local branch or contact us to get started.

Help for Businesses

SBA important information

Read the latest information regarding the paycheck protection program.

Latest COVID-19 Economic Relief Package

As you may know, Congress has announced a new COVID-19 economic relief package that includes stimulus payments for many taxpayers.

First Citizens has now posted all the Economic Impact Payment (EIP) deposits that we're expecting to receive from the IRS for this round of stimulus. Those payments should be reflected in our customers' posted transactions at this time. (Note: We're still seeing some payments sent to us from tax-preparation services that mistakenly received the payments and will make those available to recipients as we get them.)
If you were expecting a payment and it wasn't deposited, visit the IRS website. You can check your payment status through the IRS's Get My Payment tool and also determine if you need to file a claim on your 2020 tax return.
To check a bank deposit, you can use First Citizens Digital Banking to view your accounts. You can also set up an account alert in Digital Banking and receive a text, email or both to proactively notify you when funds above a certain amount are deposited in your account. This way, if you're still expecting a direct deposit, you'll know exactly when it hits your account without having to do a thing.
For those who don't receive their stimulus payments by direct deposit, watch your mail for either a paper check or, in some cases, a prepaid debit card, issued by the Treasury.
If you receive a paper stimulus check, the easiest and most convenient way to deposit it is through our mobile banking app. You can also find your check deposit information in the app.

Get Notified When Your Economic Stimulus Payment Is Received

For Digital Banking customers who would like to set up credit alerts, it's quick and easy. Here's how to enroll:

Once you log in to Digital Banking, select Alerts in the navigation menu.
Then choose Account Alerts.
Select Credits & Debits and then set the alert to notify you of any credits to your account, or any credits over a certain amount. Always set the alerts for $100 less than what you anticipate receiving (for example, if you're anticipating a $600 payment, we suggest you set your credit alert amount to $500). You can receive an alert by text, email or both.
Select Save.

Alerts are automatically sent in real time, so you will receive notification as soon as funds are deposited.

Log in to Digital Banking to enroll in alerts

Get real-time notification as soon as your stimulus payment arrives by enrolling in the credit alert within the account alerts section of Digital Banking.

Not currently enrolled in Digital Banking?

Take advantage of all of our online and mobile banking features, including account alerts, with Digital Banking.

Frequently Asked Questions

We have answers

Find answers to the most commonly asked questions from our customers.

Check the IRS website for the status of your payment. We will always post electronic payments the morning of the business day of the effective pay date. The quickest and easiest way to find out when your deposit has been made is to sign up for account alerts.

Once you log in to Digital Banking, select Alerts in the navigation menu.
Then choose Account Alerts.
Select Credits & Debits and then set the alert to notify you of any credits to your account, or any credits over a certain amount. Always set the alerts for $100 less than what you anticipate receiving (for example, if you're anticipating a $600 payment, we suggest you set your credit alert amount to $500). You can receive an alert by text, email or both.
Choose Save.

You can find your routing number by selecting the state you opened your account.

You can also find your bank account numbers on checks or in Digital Banking.

On checks

Your bank routing number is listed as the first sequence of numbers at the bottom left corner of your personal checks—typically a 9-digit number. If you have a business account, the routing number will follow the 6-digit check number at the bottom of your checks. Routing numbers are often referred to as check routing numbers, ABA numbers or routing transit numbers (RTN). Routing numbers may vary by the location where your account was opened and the type of transaction made. Have your routing number handy when reordering checks, setting up direct deposits, making electronic payments and transferring funds.

Your bank account number is listed as the second sequence of numbers at the bottom left corner of your personal checks—typically a 12-digit number. If you have a business account, the account number is also typically a 12-digit number.

In Digital Banking

Your routing and full account numbers can be viewed in Digital Banking. Select the account you want to see, then look for the account details section and select View Routing and Account Numbers.

Your stimulus payment will be credited to your converted First Citizens account—no action is required by you.

If that was your only account with First Citizens, the payment will be returned to the government. If you have another active account with us, we’ll attempt to repost the stimulus payment to that account.

If you receive a suspicious email or text message, don’t respond, click on links or open attachments. If we reach out to you by phone, we won’t ask for confidential information—such as your card PIN, access code or online banking password.

Absolutely. Your deposits at First Citizens Bank are protected up to at least $250,000 by the FDIC.

As added assurance, we have over a 120-year banking history. As one of America's largest family-controlled banks, we're known for our stability, financial discipline and long-term focus. Our time-tested strategies ensure that we will be here for you now and in the future.

There are many ways to bank without ever stepping foot into a branch.

Log in to First Citizens Digital Banking, where you can see your balances, make payments, transfer funds and more. You can also manage, lock or report your card lost or stolen. If you don't currently use Digital Banking, we encourage you to enroll now.
Deposit checks easily from your mobile device using our Digital Banking app.
Access any of our ATMs.
Use our 24-hour automated banking service at 888-FC DIRECT (888-323-4732) or contact us with questions or concerns.

We understand that the pandemic has resulted in financial hardship for many of our customers, and we're here to help. We'll work with you individually to tailor a solution for you. Just call your local branch, contact us or call our Customer Care Center at 888-FC DIRECT (888-323-4732) to get started.

We take protecting your personal information seriously, and use state-of-the-art security technology to safeguard your account information. There are also some simple steps you can take to increase the security of your personal information.

The first thing you can do is to use strong passwords and user IDs. Hackers always go for the most obvious passwords and login IDs. So think of a phrase, a song lyric or quote and throw in some capital letters, numbers and symbols. And never use personal information such as family names, birthdates, phone numbers, etc.

It's also very important that you don't give your personal information to anyone who contacts you by phone, web, email or text message. Personal information includes your Social Security number, account numbers or any other information that can be used to personally identify you.

To report suspicious activity, contact us immediately at 866-567-7760.

You can also place a fraud alert on your credit file to prevent fraudsters from opening new accounts or making changes to your existing accounts. You only need to notify one credit bureau—the one you choose will notify the other credit bureaus.

Equifax: 800-525-6285

TransUnion: 833-395-6938

Experian: 888-397-3742

Unfortunately, unscrupulous people often take advantage of our anxieties at a time like this. Be on the lookout for phone calls, emails or texts from even legitimate sounding companies that either solicit your assistance or offer to help during this time. Never give out your Social Security number, bank account numbers or other personal information to companies or individuals unless you initiated the conversation.

Let's Stay Safe Together

If you are not feeling well, or have been exposed to COVID-19, please avoid visiting a branch.
There's strength in numbers—stay at least six feet apart and avoid physical contact like shaking hands.
Our facilities are frequently and thoroughly cleaned.
And remember, First Citizens Digital Banking can help you manage your accounts anytime, anywhere from your connected devices.

We know the coronavirus outbreak and prevention measures are impacting you and your family in a variety of ways. Here at First Citizens, we're continuing to work with our customers and doing all we can to provide relief during these challenging times. Our customers, associates and communities remain our number one priority. You can count on us through the duration of this emergency. We'll get through this together. For the latest developments in our response to coronavirus, please continue to visit us at FirstCitizens.com.

Ways to Access Your Money

No matter what's going on, there are always multiple ways to access your money without even walking into a branch.

Log in to First Citizens Digital Banking, where you can view balances, make payments, transfer funds, and update your profile and contact information. If you haven't enrolled in Digital Banking, we encourage you to enroll now.
Deposit checks from your mobile device using our Digital Banking app.
Manage your card, lock your card, and report a lost or stolen card through Digital Banking.
Call our 24-hour automated banking line at 888-FC DIRECT (888-323-4732). Customer service representatives are available from 7 am to 11 pm ET.
Find a branch near you and access any of our ATMs or drive thrus.

Be Alert

In circumstances like these, it's important to be even more aware and on guard for potential fraud and scams. Never give your personal information out to people who may contact you unsolicited by phone, email or otherwise.

A recent trend involves fraudsters using spoofed phone numbers and caller IDs to impersonate the bank. They call customers from a number that appears to be from the bank, and ask them for confidential information (account numbers, online banking credentials, etc.), which they use for fraudulent purposes. Whenever you get a call appearing to be from your bank, be careful to ensure it is actually from your bank—particularly if you are asked to provide personal information. When in doubt, it's best to call them back at the number provided on their website, or on the back of your credit or debit card.

Here are some tips to avoid scams.

Avoid opening attachments and clicking on links within emails or text messages, especially from people or organizations you don't know or have a relationship with.
Be wary of information from seemingly legitimate sources, such as your bank, the CDC, World Health Organization and US Treasury that encourage or require you to log in to view information or provide personal identifying information. This is a common scam tactic.
Don't share any of your login IDs or passwords.
Rely on trusted sources for information about the virus, not posts you see on social media. Visit www.cdc.gov or www.who.int for the most accurate information.

If you suspect you've been a victim of fraud, call us at 888-FC DIRECT. To learn more about protecting your personal information, check out our information on Privacy and Security.

CARES Act: IRA Updates and Strategies

The CARES Act makes significant changes to IRA regulations, which merit strong consideration as you review your financial planning.

CARES Act Impact and Changes

Listen to our most recent call discussing the CARES Act and its impact and changes to qualified retirement plans.

Listen now by calling
866-886-0619

CARES Act Summary

Read a summary of the CARES Act stimulus, the third phase of the COVID-19 relief enacted by the Federal government in response to the pandemic.

COVID-19 Stimulus Package Summary

Summary of the three phases of the federally-enacted COVID‑19 Stimulus Package.

COVID-19 Tax Relief Summary

Summary of the law intended to provide tax relief to mitigate the effects of the pandemic.

Market Outlook

Get the latest updates on the markets and economy.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

Bonus Offer

Offer is valid on new accounts only. Company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Points

Accelerated Rewards Tier: Earns one and a half (1.5) points for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits).

There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.

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. 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. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. $100 rewards dollars will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Cash Back

Cash Back Rewards: Earns (i) one (1) reward dollar for each one hundred (100) dollars you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) five (5) reward dollars for each one hundred (100) 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 (100) 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 (100) 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.

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.

Program Rules are subject to change or cancellation without notice.

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

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).

Businesses may earn up to 10,000 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.

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.

Program Rules are subject to change or cancellation without notice.

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. If you have any other business structure, you’ll need to visit a branch to open an 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. If you have any other business structure, you’ll need to visit a branch to open an 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 LLCor a corporation. If you have any other business structure, you’ll need to visit a branch to open an 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. If you have any other business structure, you’ll need to visit a branch to open an account.

Fields denoted with an asterisk (*) are required. 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 844-226-5322 from 8 am to 6 pm ET, Monday through Friday.

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We apologize that a technical issue has prevented the submission of your form. Please either try again or give us a call.

Business Name*

Full Name*

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Are you an existing customer?*

Yes

Message*

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Get the right coverage to give you and your family peace of mind. We can help.

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Enter your 5-digit ZIP Code

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You have the right to know what personal information we have collected about you and how we use it.

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Choose your type of request:*

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If you have an active Digital Banking account with us, we'll deliver our response to that account. If you don't, please choose a delivery preference:

US Mail

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Message*

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Get the right coverage to give you and your family peace of mind. We can help.

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Full Name*

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Business Name*

Full Name*

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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.

If you didn't make this request or have questions, please call us toll free at 888-FC DIRECT (888-323-4732). 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.

Thank you. We'll be in touch.

You'll receive a reply within 2 business days.

2,500 New Enrollment Bonus

The new enrollment bonus offer is available at account opening to new cardholders in the Accelerated Rewards Tier of the First Citizens Rewards® credit card or existing cardholders who upgrade to the Accelerated Rewards Tier. Not valid with any other promotional offers.

Earning Points

At the Accelerated Rewards Tier, you will earn 1.5 points for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). 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. There is no monthly point cap and points do not expire as long as you remain in the Accelerated Rewards Tier.

Redeeming Points

Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. Some limitations may apply.

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. The redemptions will post within 2-8 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 50,000 points for one continental flight when the flight is booked at least 21 days in advance and includes a Saturday night stay. This reward is only available for redemption on coach tickets priced below $1,000.00. Tickets priced above $1,000.00 are not eligible for this reward.

Redemptions are also available for travel, including airline tickets, hotel, car rentals, cruises and tours, retail gift cards and certificates, donations and merchandise.

You may use points for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. 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. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in.

Program rules are subject to change or cancellation without notice.

Earning Reward Dollars

With Cash Back Rewards, you will earn 1 reward dollar for each $100 net dollars you spend for net retail purchases (gross retail purchases less any returns or credits). 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.

Redeeming Reward Dollars

Each reward dollar is worth $1, which means that $100 reward dollars equals $100 in redemption value. Redemptions start as low as $25 rewards dollars.

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. The redemptions will post within 2 to 8 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.

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.

You may use reward dollars for a Pay Me Back® redemption, meaning a statement credit for the corresponding dollar amount will be applied to your First Citizens Rewards card that was used for the purchases over $100. 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.

Program rules are subject to change or cancellation without notice.

Earning Points

At the Base Rewards Tier, you will earn 1 point for each $1 you spend for all net retail purchases (gross retail purchases less any returns or credits). 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.

At the Base Rewards Tier, cardholders may earn up to 10,000 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.

Redeeming Points

Each point is worth $0.01, which means that 100 points equals $1 in redemption value. Redemptions start as low as 10,000 points. All rewards redemptions can be made through the First Citizens Rewards Center by telephone or through the program website. Some limitations apply.

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

Redemptions are also available for retail gift cards and certificates, donations and merchandise.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible through the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

What are you looking for most in a credit card?

Flexible Rewards

Cash back

A low interest rate

Do you plan to use this card for everyday purchases?

Yes

In addition to cash back, are you also interested in earning points redeemable for gift card, merchandise and more?

Yes

Are you also interested in earning rewards?

Yes

Based on your answers, here's what we recommend

Recommended

Accelerated Earnings Card

Earn 50% more points on everyday purchases and get exclusive travel rewards.

Earn rewards faster
Use rewards for exclusive travel experiences
Get an introductory balance transfer offer

Recommended

Rewards Card

Earn points by making everyday purchases and pay no annual rewards program fee.

Earn rewards
Pay no annual fee
Get an introductory balance transfer offer

Recommended

Cash Back Card

Transform everyday purchases into unlimited cash back.

Earn cash back
Use rewards as statement credits
Get an introductory balance transfer offer

Recommended

Smart Option Card

Get our lowest available rate.

Consolidate higher interest rate balances
Pay no annual fee
Get an introductory balance transfer offer

Still not sure? Compare Accounts

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Coronavirus Information

How We're Responding to COVID-19

We can help

SBA important information

Latest COVID-19 Economic Relief Package

Get Notified When Your Economic Stimulus Payment Is Received

Log in to Digital Banking to enroll in alerts

Not currently enrolled in Digital Banking?

We have answers

Let's Stay Safe Together

Ways to Access Your Money

Be Alert

Insights

CARES Act: IRA Updates and Strategies

CARES Act Impact and Changes

CARES Act Summary

COVID-19 Stimulus Package Summary

COVID-19 Tax Relief Summary

Market Outlook

Additional Insights