CIT Bank Business Banking Customers

Learn more about your business banking transition

Your transition timeline

Here's a look back at the key dates of your transition.

Week of October 10

Welcome package mailed

The week of October 10, we mailed your welcome package with all the details you needed, including key things to know and do for the transition of your bank accounts to First Citizens. Please save this information in case you need it during your transition.

Week of October 24

New debit card

If you had a CIT Bank debit card, we sent you a First Citizens Visa® Debit Card in the mail. We also sent you a new PIN in a separate mailing.

Tuesday, October 25

Online banking platform email

We sent you an email letting you know which online banking platform you moved to at First Citizens.

If you transitioned to Commercial Advantage, your email includes information about other Treasury Management products and services, as well as actionable items and helpful resources to ensure a smooth transition.

If you transitioned to Digital Banking for business, your email includes helpful resources to ensure a smooth transition. You also received a digital banking transition letter in the mail the week of October 31 with additional information.

Week of October 31

Digital banking transition letter

The week of October 31, we mailed you a letter with the details about your new Digital Banking for business or Commercial Advantage account, including your new login ID and instructions for setting up a new password at First Citizens.

Thursday, November 10

CIT Bank access ended

Start using your First Citizens Visa® Business Debit Card at 2 pm ET on Thursday, November 10. Your CIT Bank business debit card stopped working at this time.

Online access to CIT Bank ended at 9 pm ET Thursday, November 10. Be sure to copy any templates, alerts, transfer instructions and file definitions, which won't transfer from your CIT system to First Citizens.

Thursday, November 10 to Monday, November 14

Conversion weekend

Unless otherwise notified, CIT Bank branches closed at 2 pm local time on Thursday, November 10, in observance of Veterans Day on Friday, November 11, and remained closed until they reopened as First Citizens branches on Monday, November 14. During this time, online and mobile banking were temporarily unavailable.

Monday, November 14

Transition completed

Your accounts and services became available the morning of Monday, November 14. Online and mobile access also became available at 7 am ET.

You can now use the First Citizens network of more than 550 branches in 21 states.

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with ACH and wires

Receive account and security alerts

Learn more about business digital banking
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send & transfer money with ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Learn more about business digital banking
Upgrade your cash flow

Simplify and automate your daily deposits

  • Lockbox helps you offload the time-consuming task of processing your customer payments.
  • Smart Safe eliminates the need to sort, count, balance and reconcile your incoming cash.
Learn more about Lockbox
Recover bad checks, free of charge

Sign up for Check Recovery Service

  • This free service automatically resubmits returned checks multiple times.
  • You keep 100% of the check amount if the funds are collected, with no phone calls or collection expenses.
Learn more about check recovery services

Transition information for your business accounts

The information below relates only to accounts that transitioned to Digital Banking for business at First Citizens unless otherwise noted. In early October, we had an Action Item Checklist for Digital Banking for business and Commercial Advantage® customers to help ensure a smooth transition.

Product or Service

Important Details to Know

Account Numbers

Your account numbers didn't change unless we notified you. To see if your account number changed, refer to the welcome package mailed to you the week of October 10.

Routing Number

To see your routing number, refer to the welcome package mailed to you the week of October 10.

Arizona 122187335

California 122037760

Florida 067092022

Nebraska 053100300

Nevada 053100300

Texas 114993906

Automatic Payments

If you've arranged for third parties to deduct payments from your account—like electric or phone companies—provide these payees with your new account number(s) and routing number as soon as possible after November 14.

Automated Transfers

Any automatic transfers you've set up through CIT Bank online banking didn't convert, and you'll need to set them up within First Citizens Digital Banking beginning November 14.

Direct Deposits

You may need to notify third parties that make direct deposits to your account, such as your employer or government agencies sending Social Security or VA benefits. Please note that certain companies won't automatically make account number changes without obtaining your authorization.

Check Orders and Deposit Tickets

You can continue using your current checks. Any outstanding checks with your CIT Bank account number will continue to be honored for 180 days from November 14. Deposit tickets preprinted with your CIT Bank account number will no longer be accepted after November 14.

You'll receive a $75 discount on your first order of First Citizens business checks with endorsement stamp and deposit tickets. Any time on or after November 14, call 800-503-2345 from 7 am to 10 pm ET Monday through Friday or from 7 am to 7 pm ET Saturday. Provide your First Citizens account number and routing number and mention offer code L2. You can also order checks at your nearest branch.

Debit Cards

CIT Bank debit cardholders should have received a new First Citizens Visa® Business Debit Card. Under separate cover, in an unmarked envelope, we also sent you a new PIN. Your CIT Bank card stopped working at 2 pm ET on Thursday, November 10, which is when your new First Citizens card became available for use. Be sure to provide your new card number and expiration date to any merchants you've authorized to debit your card for payments.

ATM Transaction Fees

You can use First Citizens ATMs to get cash, make deposits (where available), transfer funds and more—with no fee. First Citizens doesn't charge a fee for using non-First Citizens ATMs for cash withdrawals, funds transfers or balance inquiries.

Online Banking

If you enrolled on or before Friday, September 2, you gained access to First Citizens Digital Banking for businessD on Monday, November 14. CIT Bank online banking users received a separate mailing with more details and new login information.

Quicken® and QuickBooks®

Conversion instructions for Digital Banking for business WebConnect users are provided in the Digital Banking Intuit Conversion Instructions User Guide (PDF). Conversion instructions for Commercial Advantage WebConnect users can be found in the Commercial Advantage Intuit Conversion Instructions User Guide (PDF).

Statements

You'll receive a final CIT statement for your checking, savings or money market accounts as of Thursday, November 10. Monthly fees, if any, won't be charged on partial statements. Checking account statements won't contain check images. Checking and CD statements will no longer be combined. Stand-alone savings account statements will be issued quarterly, and CD statements will no longer be offered. Duplicate statements can no longer be sent to alternate addresses. You can view statements online and select eStatements online starting Monday, November 14.

Transaction History

Starting Monday, November 14, we'll begin to retain transaction history for your new First Citizens products.

After Monday, November 14, prior deposit account history will be available upon written request only. A fee may apply.

Overdraft Protection

First Citizens offers basic overdraft protection for business checking accounts. Please see the Account Disclosures booklet in your welcome package for additional information on overdraft protection.

Branch Availability

Unless otherwise notified, all CIT Bank branches closed at 2 pm local time on Thursday, November 10, and reopened as First Citizens branches on Monday, November 14. Hours for the branch lobby will be from 9 am to 5 pm local time Monday through Friday.

Telephone Banking

Starting Monday, November 14, you can obtain information about your First Citizens accounts through our automated service 24/7.

Safe Deposit Box

There's no change to your safe deposit contract. At the next renewal, we'll notify you if there are any changes to safe deposit fees.

Loans and Lines of Credit

Loans and lines of credit will continue in effect with no changes to terms and conditions.

Quicken and QuickBooks are registered trademarks of Intuit, Inc. First Citizens Bank is not affiliated or associated with Intuit, Inc.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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

NMLSR ID 503941