Welcome to First Citizens

With more than a century of experience serving the financial needs of our customers, First Citizens is a bank people trust for strength, stability and long-term relationships. We look forward to bringing you even more products and services, more locations and more opportunities to help you manage your finances.

The familiar community bank spirit of OneWest Bank 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 demonstrate that your priorities always come first. Welcome to First Citizens.

Transition details

What OneWest Bank customers need to know


What you can expect

Now that we've merged our talents, systems and resources, you'll discover an even stronger financial partner by your side.

  • Personal banking customers will gain attractive account choices, overdraft protection, new mortgages and auto financing opportunities, sophisticated wealth management, and a whole new level of nationwide banking
  • For business customers, we offer a strong lineup of comprehensive banking services along with all the leading strength you need to open new pathways for growth
  • You can count on our commitment to building personalized solutions that ensure financial health and wellness for you, your family and your business

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

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

Friday, June 10

Welcome package

We mailed a First Citizens welcome package that included all the key things you needed to know and do.

Week of June 20

New debit card

If you had a OneWest 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.

Friday, July 15

OneWest Bank access ended

You could start using your First Citizens Visa® Debit Card beginning July 15. Your OneWest Bank debit card stopped working, and access to OneWest Bank ended.


Conversion weekend

OneWest Bank branches closed over the weekend as we transitioned your service to First Citizens. During this time, online and mobile banking were temporarily unavailable.

Monday, July 18

Transition completed

Your accounts became First Citizens accounts. Online and mobile access became available the morning of July 18, 2022.

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


People often ask us

OneWest Bank customers who enrolled in online banking on or before April 29, 2022, were automatically converted to First Citizens online banking. You should have received a mail package from us with all the necessary details, including your new login instructions for online banking at FirstCitizens.com. We'll arrange for the automatic transfer of your bill pay payees, but it's important to note that your OneWest Bank account history may not transfer automatically.

OneWest Bank customers who enrolled in online banking on or after April 30, 2022, weren't automatically converted to online banking at First Citizens. During the weekend of July 15, 2022, your OneWest Bank accounts were automatically transferred to First Citizens, but you'll need to enroll in First Citizens Digital Banking beginning July 18, 2022.

To keep things simple for you, we selected the First Citizens accounts most similar to your current OneWest Bank accounts. If you like the choices we made, you don't need to do a thing. If you think other choices may suit you better, just speak with a banker.

For detailed instructions on logging in to your account, refer to our Logging in to Digital Banking for the First Time User Guide (PDF).

First Citizens values relationships, just like OneWest Bank does. Our goal is to help you retain your current relationships whenever possible, because the bankers who know you are best equipped to help you take full advantage of all the strengths and opportunities of our combined organization.

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.

If you had 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.

With Digital Banking and an automated phone system at your fingertips, you can take advantage of many First Citizens banking services quickly and conveniently.

Self-service over the phone

When you call us, you're immediately connected to our interactive voice response, or IVR, system. By following the prompts, you can easily access many banking services 24/7 via IVR:

  • Balances: Check balances for your deposit and checking accounts, mortgages, loans, and IRAs
  • Credit cards: Activate or deactivate a card, check your balances, and freeze or unfreeze a card
  • Payments and transfers: Transfer funds between your First Citizens accounts, make payments to your First Citizens loans or credit cards, and stop payments
  • Transactions: Review your recent transactions

Self-service through Digital Banking

You can access Digital Banking with an internet-connected computer, tablet or mobile device. Whether you use our website or mobile app, you can access a wide variety of banking services anytime, anywhere.

  • Account services: Manage your overdraft protection, open new accounts and update your profile (address, phone number, email)
  • Alerts: Set up and manage your account and security alerts
  • Balances: Check balances for your deposit and checking accounts, mortgages, loans, and IRAs
  • Checks: Order checks and request check copies
  • Credit and debit cards: Lock a card, order a replacement, report a card lost or stolen, set up travel notice, and change your PIN
  • Credit score: View your FICO® credit score
  • Important information: Find a location near you, and view important documents including our fee schedule, online agreement and privacy policy
  • Manage My Money℠: Get a more complete picture of your finances by linking accounts from other financial institutions, review your debts and understand your cash flow
  • Payments and transfers: Transfer funds between your First Citizens accounts and external accounts, make payments to your First Citizens loans and credit cards, set up recurring payments, pay bills through Bill Pay, stop payment, and send money to First Citizens customers
  • Transactions: Review your recent transactions, view statements and tax documents, enroll in eStatements, and deposit checks with Mobile Check Deposit

For detailed instructions, refer to our Resetting My Digital Banking Password User Guide (PDF).

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.