Welcome to First Citizens Bank!

If you're a customer of First South Bank, you should have received by mail a packet of information about this transition of your accounts and services to First Citizens Bank. It included:

  • A Cover Letter with a Personalized Account Listing that summarizes your current First South Bank account(s) and the First Citizens Bank product(s) they will become.
  • An Account Guide that provides key features of your new accounts along with important transition highlights.
  • An Account Disclosures booklet with account terms and conditions for your records.

What does this transition mean to you?

We've started with new accounts that compare favorably to your current ones, some using your combined balances to potentially reduce fees and gain additional benefits. And we're adding important new ways to help you meet a wider range of needs: mortgage financing, insurance protection, investments, retirement planning and more.

The familiar community bank spirit of First South is still here, as is the friendly service you're accustomed to. We're a family-controlled bank, and we're true to the people and the neighborhoods we serve.

We understand that so much depends on what you do with your money, and we appreciate this opportunity to prove that your priorities will always come first. Welcome to First Citizens!

Overview

On Friday, Sept. 13:

  • Start using your new First Citizens Debit or ATM card (if you are a cardholder) at 2 p.m. Eastern time. These will be mailed the week of August 26.
  • First South online banking services are read-only as of 5 p.m. Eastern time as we transition to First Citizens Digital Banking. During this time, you'll be able to view your balances and transactions, but not initiate transactions and transfers.

On Monday, Sept. 16:

General Information

At the close of business on Friday, Sept. 13, 2019, we're aligning your current deposit and loan accounts with the accounts offered by First Citizens nationwide. Below is some general information about the transition. (For complete details about First Citizens products and services, including important terms and conditions effective Monday, Sept. 16, 2019, please refer to the "Account Disclosures" you received in the mail.)

Debit and ATM Cardholders

We've sent you a new First Citizens Visa® Debit or ATM card and a new PIN in separate mailings.

  • Start using your new First Citizens card at 2 p.m. Eastern time on Friday, Sept. 13.
  • Please don't destroy your current card until that time.
  • Be sure to provide your new card number and expiration date to any merchants you have authorized to debit your card for payments.

Online Banking

  • Friday, Sept. 13, at 5 p.m. Eastern time: First South online banking services are read-only. After this time, you'll be able to view your balances and transactions, but not initiate transactions and transfers. As of Monday, Sept. 16, at 7 a.m. Eastern time, access to First South online banking will be unavailable, and you'll be able to view your converted accounts in First Citizens Digital Banking or BOB Advantage.
  • Any one-time or recurring First South transfers you've previously scheduled don't transfer to First Citizens Digital Banking or BOB Advantage. You'll need to reschedule any one-time account transfers or recurring transfers within First Citizens Bank Digital Banking or BOB Advantage on or after Monday, Sept. 16.
  • If you're a business customer, your existing primary user for your business will be converted, but any other existing users for your business will need to be reestablished on the Digital Banking or BOB Advantage platform, on or after Monday, Sept. 16.
  • To download our iPhone®, iPad® or AndroidTM apps, please visit the App StoreSM or Google PlayTM.
  • First South online transaction and statement history won't be automatically converted to First Citizens Digital Banking or BOB Advantage.

Bill Pay

  • You'll need to set up Bill Pay payees and payments in First Citizens Digital Banking or BOB Advantage on or after Monday, Sept 16. For more information about Bill Pay, please visit our Digital Banking Helpful Tips page.
  • Your bill pay transaction and payee history won't convert automatically to First Citizens Digital Banking or BOB Advantage.
  • Any one-time or recurring electronic bill payments you have scheduled to pay after Friday, Sept. 13, won't be processed.
  • If you've enrolled in eBills for any of your payees, you'll need to recreate them in First Citizens Digital Banking or BOB Advantage on or after Monday, Sept. 16, as they won't automatically convert.

First Citizens Digital Banking Enrollment for Customers Who Enrolled in First South Online Banking Before July 13, 2019

Starting Monday, Sept. 16, these customers will have access to First Citizens Digital Banking. Current online banking users should have received a separate mailing with details and new login information. After 7 a.m. Eastern time, follow these instructions to enroll:

  1. Visit www.firstcitizens.com or download the First Citizens Mobile Banking app.
  2. Select New User Login from the login box.
  3. Enter your login ID previously provided in the mail and follow the steps to receive your one-time secure access code.
  4. Once you receive and enter your secure access code, you'll be prompted to create your password. Then click Register Device if you're logging in from a device you plan to use regularly.

Visit First Citizens Digital Banking to learn about the powerful, comprehensive set of online and mobile banking tools that are available to you.

BOB Advantage Enrollment for Business Customers Who Enrolled in First South Online Banking Before July 13, 2019

Starting Monday, Sept. 16, these customers will have access to BOB Advantage. Current First South business online banking users should have received a separate mailing with details and new login information. After 7 a.m. Eastern time, visit www.firstcitizens.com/boblogin and follow the instructions provided in the mailing to sign on to BOB Advantage for the first time.

To learn more about BOB Advantage, please visit firstcitizens.com/bob and access our Frequently Asked Questions at www.firstcitizens.com/firstsouth_bobfaqs, P D F opens in a new tab.

First Citizens Digital Banking and BOB Advantage Enrollment for Customers Who Enrolled in First South Online Banking On or After July 13, 2019

First South customers who enrolled in First South online banking on or after July 13, 2019, won't automatically convert to First Citizens Bank Digital Banking or BOB Advantage. On Sept. 16 after 7 a.m. Eastern time, follow these instructions to enroll:

  1. Go to www.firstcitizens.com or download the First Citizens Mobile Banking app.
  2. Select Sign Up to enroll in Digital Banking.
  3. Select Individual. (Business enrollment for Digital Banking for business or BOB Advantage must be completed in the branch)
  4. To complete enrollment, you'll need your social security number and new First Citizens account number.
  5. Follow the steps to receive your one-time secure access code.
  6. Once you receive and enter your secure access code, you'll be prompted to create your password. Then click Register Device if you're logging in from a device you plan to use regularly.

Transaction History

Please be sure to download and save your First South online transaction history through Sept. 13. Starting Sept. 16, we'll begin to retain transaction history for your new First Citizens products. History through Sept. 13, 2019, will be available upon written request only. A fee may apply. To request your transaction history, please contact us at the address below:

  • Deposit Accounts: First Citizens Bank, Attn: Research, DAC07, P.O. Box 27131, Raleigh, NC 27611
  • Loans: First Citizens Bank, Attn: Loan Servicing Department, DAC20, P.O. Box 26592, Raleigh, NC 27611

Telephone Banking

Starting Sept. 16, you can obtain information about your First Citizens accounts through our automated service 24/7.

  • For personal customers: Call 1.888.FC DIRECT (1.888.323.4732). Customer service representatives are available to assist you daily from 7 a.m. until 11 p.m. Eastern time.
  • For business customers: Call 1.866.FCB.4BIZ (1.866.322.4249). Customer service representatives are available Monday through Saturday from 7 a.m. until 11 p.m. Eastern time.

Branch Availability

All First South Bank branches will close at 2 p.m. Eastern time on Friday, Sept. 13, and will be consolidated into a nearby First Citizens branch.

Other Useful Information

Account Numbers

All account numbers will be changing and will be provided on your first new statement after Sept. 16.

Checks

You can continue using your current checks; any outstanding checks with your First South account number will continue to be honored for 180 days from Sept. 16.

Direct Deposits and Automated Transfers

In most cases, direct deposits and automated transfers will continue without interruption. However, there are government agencies (Social Security Administration, V.A., etc.) and certain companies that won't automatically make those changes without obtaining customer authorization. You may need to provide your new account information, including your new routing number, after Sept. 16. Do not update direct deposits or automated transfers before Sept. 16.

Overdraft Protection

First Citizens offers a Basic Overdraft Service for personal checking accounts and automatic transfers from a linked savings account. On or after Sept. 16, you can also enroll to have ATM withdrawals and one-time debit card purchases covered by visiting a First Citizens branch, calling 1.888.FC DIRECT (1.888.323.4732) between 7 a.m. and 11 p.m. Eastern time or through Digital Banking.

First Citizens also offers a Basic Overdraft Service for business checking accounts. Please see the "Account Disclosures" booklet for additional information on overdraft protection.

Statements

You'll receive a final statement for your checking, savings or money market account as of Sept. 13. Monthly fees, if any, won't be charged on partial statements. Your new statement will be issued as close to your current statement date as possible. Please see the "Account Disclosures" for additional information.

Monthly service charges and maintenance fees on business deposit accounts and services will be waived until Nov. 30, 2019. Stand-alone savings account statements will be issued quarterly. You can select e.statements in First Citizens Digital Banking starting Sept. 16.

Safe Deposit Box

If you have a safe deposit box located in a First South Bank branch, you'll need to close out the safe deposit box by Friday, Aug. 23. If you elect to open a new safe deposit box at a nearby First Citizens branch, we'll waive the box rental fee for a comparably-sized safe deposit box for a period of one year.

Questions?

Through Sept. 13: Call 864.595.0455, 8:30 a.m. to 5 p.m., Eastern time, Monday – Friday

Starting Sept. 16: Call 1.888.FC DIRECT, 7 a.m. to 11 p.m., Eastern time, daily

Business customers: Starting Sept. 16, you can obtain information about your First Citizens accounts through our automated service 24/7. Call 1.866.FCB.4BIZ (1.866.322.4249). Customer service representatives are available Monday through Saturday from 7 a.m. until 11 p.m. Eastern time.