Welcome Fist South Customers

First South Bank Customers,

We have an extensive and proud history in South Carolina, and we're excited about serving you and continuing our commitment to the people and businesses in the state. You'll see new products, new technology and new services in the months to come. We're here to help with your finances, your business and your future. Welcome to First Citizens Bank.

Sincerely,

Frank B. Holding Jr.

Chairman and CEO

First Citizens Bank


We're committed to making the transition as easy as possible for you.

With more than a century of experience serving the financial needs of our customers, we're a bank people trust for strength, stability and a long-term relationship. We look forward to helping you reach your financial goals and make the most of your money. You can continue to use your First South Bank checks and cards, and you still have online and mobile access to all of your accounts.

Watch your mail for more information.

Please continue to use the First South Bank division branches as you normally would. We'll notify you in writing of the transition to First Citizens Bank products and services. If you have any questions during the transition or at any time, please contact a representative at any of the First South division branches or visit this website.

More than 100 Years of Stability and Security

Sound business practices and stewardship of client deposits are among our highest priorities. First Citizens has more than $35 billion in assets and over a century of experience serving the financial needs of our customers.

Frequently Asked Questions

How will my bank accounts be affected?

For now, all of the features of your accounts will remain the same. Over the coming months, accounts will be converted to First Citizens products. You'll be notified in writing about any changes to your accounts.

How will this affect the office locations I use?

There will be no immediate changes and you should continue banking at your usual office location.

What will happen to my direct deposits?

Your direct deposits will continue as usual, including Social Security payments. If you need to change anything in the future, please contact or visit your First South office location to make those arrangements.

Can I continue to use my existing checks and cards?

Yes, you should keep using your existing First South checks and cards. Once the conversion process is complete in the coming months, you'll receive a new debit card and checks featuring the First Citizens name.

Can I still access my accounts online? Where?

Yes. You should continue to access your accounts online at firstsouthbancorp.com, Opens in a new tab.

Will my automatic loan payment still occur on its assigned date?

You should experience no disruption in this service. If you have any questions about your loan account, please contact your First South loan representative.

Can I continue to perform advances on my line of credit?

Yes. You can continue to use your line of credit as usual.

How and where do I make my loan payments?

You should continue to make your loan payments as agreed. You may continue to make your payments at First South Bank offices or through online banking.

Is my deposit insured by the FDIC?

Yes. Your deposit with our First South Bank division is insured by the FDIC, and each depositor is insured to at least $250,000, as established by law.

What happens to my deposit insurance coverage if I have deposits at both First Citizens Bank and Biscayne Bank?What happens to my deposit insurance coverage if I have deposits at both First Citizens Bank and First South Bank?

There are special provisions that allow a depositor to receive insurance at both institutions for a period of time.

According to the FDIC publication, "Your Insured Deposits:", Opens in a new tab

"When two or more insured banks merge, deposits from the assumed bank are separately insured from deposits at the assuming bank for at least six months after the merger. This grace period gives a depositor the opportunity to restructure his or her accounts, if necessary."

"CDs from the assumed bank are separately insured until the earliest maturity date after the end of the six-month grace period. CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period. If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period."

What is First Citizens BancShares?

First Citizens BancShares, Inc. is a financial holding company headquartered in Raleigh, N.C., which operates its banking subsidiary, First Citizens Bank. First South Bank is now a division of First Citizens Bank. First Citizens BancShares, Inc., with more than $35 billion in assets, is publicly traded on the NASDAQ under the symbol FCNCA.

Whom do I contact with questions about my account?

Customers with questions about their accounts can contact a representative at any of the First South Bank division branches. For questions about First Citizens Bank, they can call the First Citizens Customer Care Center, 877.456.7318, between 7 a.m. and 11 p.m. Eastern time daily.