OneWest Bank Business Banking Customers

Learn more about your business banking transition

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 Bank debit card, we'll mail you a First Citizens Visa® Debit Card. 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 Bank debit card.

Friday, July 15

OneWest Bank access ends

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

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

SATURDAY AND SUNDAY, JULY 16 AND 17

Conversion weekend

OneWest Bank 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.

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Upgrade your cash flow

Simplify and automate your daily deposits

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

Sign up for Check Recovery Services

  • 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.

Transition information for your business accounts

Product or Service

Important Details to Know

Account Numbers

Unless otherwise notified, deposit account numbers won't be changing. First Citizens may use fewer digits for your account number, so please see the account listing provided on the back of the letter mailed to you on June 10, 2022.

Routing Number

Your new routing number will be 122037760.

Automatic Payments

If you have payments automatically deducted from your account, be sure to provide your new account number and routing number to the recipients of your automatic payments as soon as possible after July 18, but not before, to prevent any interruption.

Direct Deposits and Automated Transfers

In most cases, direct deposits and automated transfers will continue without interruption. However, there are 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 July 18. Don't update direct deposits or automated transfers before July 18.

If you're currently using automated transfers to transfer interest earned on your OneWest Bank checking or savings account to another account, or to receive a check for the interest, it's important to note that any interest earned at First Citizens will remain in your First Citizens account.

Check Orders and Deposit Tickets

You can continue using your current checks. Any outstanding checks with your OneWest Bank account number will continue to be honored for 180 days from July 18. Deposit tickets preprinted with your OneWest Bank account number will no longer be accepted after July 18.

You will receive a $75 discount on your first order of First Citizens business checks with endorsement stamp and deposit tickets. Any time on or after July 18, call 800-503-2345 Monday through Friday 7 am to 10 pm or Saturday 7 am to 7 pm ET. 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

Current cardholders should watch their mail the week of June 20 for a new First Citizens Visa® Debit Card. Under separate cover, in an unmarked envelope, we'll also send you a new PIN. Start using your new First Citizens card at 11 am PT on Friday, July 15. Your current card will no longer work as of 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.

ATM Transaction Fees

You can use First Citizens ATMs to get cash, make deposits (where available), transfer funds and more—with no fee.

Online Banking

You'll gain access to First Citizens Digital Banking for businessD or First Citizens Digital Banking Commercial Advantage™ on Monday, July 18. Access to your current online banking services will be unavailable after 6 pm PT on Friday, July 15. Current online banking users will receive a separate mailing with more details and new login information.

Quicken® and QuickBooks®

Easy conversion instructions for WebConnect users are provided at FirstCitizens.com/onewest_webconnect.

Statements

You'll receive a final statement for your checking, savings or money market accounts as of July 15. 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 July 18.

Transaction History

Please be sure to download and save your online transaction history through July 15. Starting July 18, we'll begin to retain transaction history for your new First Citizens products.

After July 18, 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

All OneWest Bank branches will close at 2 pm PT on Friday, July 15, and will reopen as First Citizens branches on Monday, July 18. Hours for the branch lobby will be Monday through Friday, 9 am to 5 pm PT.

Telephone Banking

Starting July 18, you can obtain information about your First Citizens accounts through our automated service 24/7.

Call 866-FCB 4BIZ (866-322-4249). Customer service representatives are available Monday through Saturday from 7 am to 11 pm ET.

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

There are no changes to your loans or lines of credit, except overdraft protection as noted above.

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 or First Citizens Text Banking. 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.