Stronger. Better. Together.

CIT is now part of First Citizens

First Citizens BancShares Inc. and CIT Group Inc. recently merged, creating a top 20 US financial institution with more than $100 billion in assets. We're now the largest family-controlled bank in the nation, continuing a unique legacy of strength and stability that has spanned generations.

Play a message from our CEO

Hello. I'm Frank Holding, Chairman and CEO at First Citizens Bank.

This is truly an exciting time for all of us. Our holding company, First Citizens Bancshares, recently completed our merger with CIT Group.

We think this news is important, not just for us, but for the customers and communities we serve.

You see, CIT has established real strength in commercial banking and built one of America's leading direct banks. At the same time, First Citizens has grown by offering best-in-class branch services and made small business banking and wealth management cornerstones of what we have to offer.

This is a merger based on adding strength to strength and ending up with a stronger bank for all. We're now one of the top 20 US banks, which means we'll be able to bring more people more services in more places than ever before.

We're also America's largest family-controlled bank, and that allows us to continue our legacy of stability and long-term thinking that has literally spanned generations.

It will be some time before the two operations, including products and services, are fully combined. Eventually, everything will be under the First Citizens name. But for now, nothing has changed about the way you bank with us or our commitment to you.

I hope you'll check in from time to time, as we'll have more news about the way First Citizens and CIT are building a stronger and better bank for you.


What you can expect

As we merge our talents, systems and resources, you'll discover an even stronger financial partner by your side.

  • We'll work closely with you to ensure continued access to all the treasury management services you depend on, and offer new tools to improve your day-to-day banking
  • By significantly increasing our financial resources, we can offer more opportunities to help you grow
  • Count on us for attentive personal service, a commitment to your long-term financial health and customized commercial banking solutions to meet your needs

Our Forever First promise

Forever First® means the name on our door will stay the same for years to come.

Forever stable

Taking care of customers—year in, year out—isn't just our track record. It's our promise.

Forever family

We're America's largest family-controlled bank, led for three generations by members of one family.

Your transition timeline

We’ll keep you informed about your transition to First Citizens accounts and services.

Stay tuned to your email inbox and your mailbox for more details.

Week of June 13

Welcome package

We'll mail a First Citizens welcome package that includes all the key things you need to know and do.

Friday, July 15

CIT access ends

Online access to CIT systems will end on July 15 at 9 pm ET.


Conversion weekend

During the conversion process, First Citizens digital banking will be temporarily unavailable.

Monday, July 18

Transition completed

Your accounts will become First Citizens accounts. Online and mobile access will be available beginning July 18.

You can also begin to use your new network of more than 550 branches in 22 states.


People often ask us

No. Keep working with your CIT commercial banking team. For now, your CIT checks, account numbers and treasury management capabilities will function as usual. As we approach the transition to commercial services from First Citizens, we'll send you all the details you need to know. You can also count on us for all the personalized assistance you may require.

Yes. What's important to you is important to us. We want you to retain your current relationships whenever possible. But we also encourage you to take full advantage of all the strengths of our combined organization. We have lots of experience helping large companies expand, mitigate risks, plan for the future and navigate uncertainty. We're confident that our combined team can help your business work even better.

To keep things simple for you, we'll select the First Citizens commercial accounts most similar to your current CIT treasury management accounts. If you like the choices we make, you won't need to do a thing. If you decide to make any adjustments that may suit your company better, your Relationship Manager will be on hand to help.

Yes. Your credit relationships will eventually transfer to First Citizens, including loans, lines of credit and leasing relationships. We'll notify you of any important details. In the meantime, continue to make payments as you do today.

We'll be taking special care in the transition of these critical functions to our powerful treasury management platforms. We'll also provide hands-on assistance to ensure a smooth and seamless transition. Your company will be receiving a mail package from us with all the necessary details to transition your data. You can find additional information regarding your transition on this web page beginning early June in 2022.

Most customers using treasury management functions will be transitioned to First Citizens Digital Banking Commercial Advantage™, a full-service commercial online platform from First Citizens. For more information, visit our Treasury Management Transition Center.

If you have accounts at both banks as of January 4, 2022, FDIC coverage of your deposits will remain separate through July 4, 2022. It’s possible that FDIC coverage of your CDs will remain even longer, depending on the maturity date. If you have questions about your FDIC insurance, call the FDIC at 877-ASK-FDIC, or refer to the FDIC website for additional details.

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