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Being a teen is hard enough. Help us support Teen Cancer America to improve their quality of care.
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
When you have a clear picture of where your money's going, it's easier to plan ahead and make decisions. The tools and services on this page can help you track and manage your funds, so you're always in the loop and up to date.
Prepare for the unexpected
Be proactive and layer multiple levels of protection.
Enjoy purchase assurance
Always know your balance and keep track with our online tools.
Avoid service disruptions
Stay in the know with security, card and account alerts.
Brush up on your expertise by exploring our growing library of Insights. Browse dozens of simple, easy-to-read articles in a range of financial categories:
Your checking account is automatically provided Basic Overdraft Service, but it's not your only option. Layering overdraft protection options or opting in to Enhanced Overdraft Service can help you prepare for unexpected expenses.
Enjoy the convenience of recurring automatic deposits with our direct deposit service.
It's easy to keep a bird's-eye view of your finances with our online banking platform.
Download our secure mobile app and access Digital Banking on the go. You can even deposit checks without visiting a branch.
Zelle® makes it easy and safe to send money directly to almost any bank account in the US—usually within minutes.D
Log in to Digital Banking to set up and manage your security, card and account alerts. You'll receive a text, an email or both whenever an alert is triggered.
These alerts help you track your account balances, and they can be customized to suit your needs.
If you want to track debit or credit card activity, these alerts will keep you in the loop.
Turning on security alerts will help you stay informed about changes to your Digital Banking profile.
Account openings and credit are subject to bank approval.
First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. 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.
Please see our Digital Banking Fee Schedule and Digital Banking Agreement (PDF).
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Please see the Zelle® Terms of Service.
With the exception of the Sure Advantage and Together Card products (which are ineligible for overdraft service), if the available funds in your account are insufficient to pay an item when presented, First Citizens Bank will make a decision on whether to pay the item or return it unpaid. When we pay an item for which there are insufficient funds, it results in an overdraft. The following overdraft fee structure applies to eligible Consumer accounts: First Citizens Bank will charge you $10 each time we pay an item resulting in an overdraft, up to our limit of four (4) overdraft charges per business day. We will not charge you for overdrafts caused by transactions of $5.00 or less, nor for items returned unpaid. You are obligated to repay overdrafts immediately. Consumers have the option to decline overdraft service. First Citizens Bank also offers overdraft protection programs. Please see our Deposit Account Agreement (PDF) for additional details.
A US checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
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.
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Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.