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.
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.
We have answers
Find answers to the most commonly asked question from our customers.
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.
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.
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.
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.
If you expect to receive your stimulus payment through direct deposit, the transaction will be labeled IRS TREAS 310 TAX REF. This isn't your tax refund, but rather your stimulus payment.
Please visit www.IRS.gov/Coronavirus/Economic-Impact-Payments for more information about eligibility, to check your status or to update your payment information.
You can find your routing number by selecting the state you opened your account.
You can also find your bank account numbers 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, or RTN. Routing numbers may vary by 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.
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.
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.
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
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.
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