OneWest Bank Personal Banking Customers

Learn more about your personal 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.


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.

Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Seamlessly move your money

Set alerts for transactions

Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Digital Banking

Bank from anywhere with your mobile devices

Seamlessly move your money

Digital Banking

Bank from anywhere with your mobile devices

Set alerts for transactions

Upgrade your banking

Combine more balances, enjoy more services

  • New service enhancements and amenities
  • Waivers on monthly fees
Reach more of your goals

Need expert guidance? We've got you covered


People often ask us

Your First Citizens welcome package provides all the details you'll need, including a description of your new accounts. To keep things simple for you, we've selected the First Citizens accounts closest to your current OneWest Bank accounts, but you can easily change these choices if you like.

Your account numbers won't change unless we notify you. You'll have a new routing number, which is 122037760.

You can continue using your current checks, and any outstanding checks with your OneWest Bank account number will continue to be honored for 180 days from July 18, 2022. However, if you use deposit tickets preprinted with your OneWest Bank account number, they can't be accepted after July 18, 2022—but you'll receive a 50% discount on your first order of First Citizens checks and deposit tickets.

You can still have payments automatically deducted from your account. Be sure to provide recipients with your new account number and routing number as soon as possible after July 18 (but not before).

In most cases, direct deposits and automated transfers will continue. However, there are government agencies (Social Security Administration, Department of Veterans Affairs, etc.) and companies that won't automatically make changes without obtaining your authorization. To prevent interruption, don't authorize changes before July 18.

Yes. Current cardholders are scheduled to receive a new First Citizens Visa® debit card in the mail the week of June 27, with a new PIN arriving separately in an unmarked envelope. You can 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. Don't forget to provide your new card number and expiration date to any merchants you've authorized to debit your card for payments.

Please be sure to download and save your online transaction history through July 15, 2022. Your current account history won't transfer, but starting July 18, 2022, we'll begin to retain transaction history for your new First Citizens products.

You'll receive a final OneWest Bank statement for your checking, savings or money market accounts as of July 15, 2022, and your new First Citizens statement will be issued as close to your current statement date as possible. Monthly fees, if any, won't be charged on partial statements. Checking account statements won't contain check images. First Citizens has different procedures for combining statements, duplicate statements and more—please see your welcome mailing for details.

Yes. There's no change to your current safe deposit contract.

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

To see all the options First Citizens provides for overdraft coverage, please visit our Overdraft Protection page.

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.

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value.  They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results.

First Citizens Wealth Management is a registered trademark of First Citizens BancShares, Inc. First Citizens Wealth Management products and services are offered by First-Citizens Bank & Trust Company, Member FDIC; First Citizens Investor Services, Inc., Member FINRA and SIPC, an SEC-registered broker-dealer and investment advisor; and First Citizens Asset Management, Inc., an SEC-registered investment advisor.

Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.

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.