Stronger. Better. Together.

OneWest is now part of First Citizens

First Citizens BancShares Inc. and CIT Group Inc. the parent company of OneWest Bank, 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.

  • Personal banking customers will gain attractive account choices, new mortgage and auto financing opportunities, sophisticated wealth management, and a whole new level of nationwide banking
  • For business customers, we offer a strong lineup of sophisticated 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

We’ll keep you informed about the transition of your 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.

Week of June 20

New debit card

If you have a OneWest debit card, we’ll mail you a First Citizens Visa® Debit Card in the mail. We'll also send you a new PIN in a separate mailing. Store your new card and PIN in a safe place and continue using your OneWest debit card.

Friday, July 15

OneWest access ends

Start using your First Citizens Visa® Debit Card the evening of July 15. Your OneWest debit card will stop working at this time.

Online access to OneWest will end at 6 pm PT. If you'd like to save your OneWest transaction history, make sure you print or download your transactions from OneWest before this time.


Conversion weekend

OneWest branches will close over this weekend as we transition your service to First Citizens. During this time, online and mobile banking will be temporarily unavailable.

Monday, July 18

Transition completed

Your accounts will become First Citizens accounts. Online and mobile access will be available the morning of July 18.

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


People often ask us

No. Just keep banking as usual, at your OneWest branches and online at Your OneWest checks will still work, and any autopayments or transfers will continue without interruption. As we approach the transition to First Citizens banking services, we'll send you a welcome package that describes your new accounts, your banking services and all the other details you need to know.

OneWest banking customers who enroll in online banking on or before April 29 will be automatically converted to First Citizens online banking. You'll receive a mail package from us with all the necessary details, including your new login instructions for online banking at We'll arrange for the automatic transfer of your bill pay payees, but it's important to note that your OneWest account history may not transfer automatically. Be sure to log in to your online banking account at to print or download any transaction history you want to keep by 6 pm PT on July 15, 2022.

OneWest banking customers who enroll in online banking on or after April 30 will not be automatically converted to online banking at First Citizens. During the weekend of July 15, your OneWest accounts will be automatically transferred to First Citizens, but you'll need to enroll in First Citizens digital banking beginning July 18, 2022. We recommend that you record or print out your bill pay information and OneWest transaction history by 6 pm PT on July 15, 2022. This will make it easier to set up any payments or payees in First Citizens digital banking on Monday, July 18.

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

First Citizens values relationships, just like OneWest 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 transfer to First Citizens, including loans and lines of credit. We'll notify you of any details you need to know. In the meantime, continue to make payments as you do today. You'll begin to see references to First Citizens Bank on your invoices, but your payment address won't change until conversion weekend. At that time, you'll need to remit payments to the address provided on your statement.

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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