Visa Debit Card

The fast and secure way to pay

A debit card with great benefits

Liability protection

Get protection from unauthorized transactions with the Visa Zero Liability Policy.D

Exclusive discounts

Enjoy shopping with exclusive Visa discounts.

Pay with your phone

Add your Visa debit card to your Digital Wallet to make payments using your preferred mobile device.

Convenient online banking

Keep track of your finances and control your budget with Digital Banking.


People often ask us

Yes. You can use your debit or ATM card to make deposits, transfers and withdrawals up to the regulatory limit.

Yes. Your available balance immediately reflects your ATM and debit card deductions. However, they won't appear in your transaction history until the next business day's postings.

Funds deposited using Mobile Check Deposit will generally be made available within 3 business days from the day of deposit. However, availability of funds deposited may be delayed for a longer period under certain circumstances. Deposits received and accepted by 9 pm ET on a business day we are open is considered to be received that day. Deposits received after 9 pm ET will be received on the next business day.

Deposits are subject to verification and will not be available for immediate withdrawal. Deposits made using Mobile Check Deposit are not subject to the funds availability requirements of Regulation CC.

You can find your routing number by selecting the state you opened your account. Routing numbers are often referred to as check routing numbers, ABA numbers or routing transit numbers (RTN).

You can also find your routing and account numbers on checks or in Digital Banking.

On checks

Your routing number is listed as the first sequence of numbers at the bottom left corner of your personal checks—typically a 9-digit number. If you have a business account, the routing number will follow the 6-digit check number at the bottom of your checks.

Your account number is listed as the second sequence of numbers at the bottom left corner of your personal or business checks—typically a 12-digit number.

In Digital Banking

Your routing and account numbers can be viewed online in Digital Banking. Select the account you want to see, then look for the details tab and select View Routing and Account Numbers.

Account openings are subject to bank approval.

Visa's Zero Liability Policy covers fraudulent purchases and payments on the Visa network made by others without your authorization using your consumer debit card. You must report unauthorized purchases made by others using your card promptly. Provisional credit will be given while we investigate your claim. Please consult our Deposit Account Agreement for information on unauthorized transactions.

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.