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.

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:

  1. Once you log in to Digital Banking, select Alerts in the navigation menu.
  2. Then choose Account Alerts.
  3. 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.
  4. Select Save.

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

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.

Insights

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.

Additional Insights

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