Visa Debit Card

The fast and secure way to pay

Request a Card

Log in to Digital Banking to request a debit card

Convenience

Writing checks and fumbling for cash can slow you down. Instead, do it all with a First Citizens Visa® debit card—and leave your checks and cash at home.

  • Quickly pay for purchases anywhere Visa is accepted worldwide
  • Track transactions with Digital Banking and mobile banking
  • Add your debit card to your Apple®, Google® or Samsung® digital wallet and pay for purchases on the go using your smartphone

Security

First Citizens uses real-time fraud monitoring and alerts to keep you informed and protect your money—all you have to do is enroll.

Benefits

Visa debit cards come with even more great benefits

No fee

There's no fee to request a Visa debit card for your checking account.

Overdraft protection

Avoid overdraft fees when you sign up for overdraft protection.

Exclusive discounts

Enjoy shopping with exclusive Visa discounts.

Secure online shopping

With Verified by Visa, you can shop online confidently wherever you see a Visa Secure badge.

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Report a lost or stolen card

Notify us if you're traveling

Manage Your Cards

Access any of our card services from your phone

Temporarily lock your card

Manage Your Cards

Access any of our card services from your phone

Report a lost or stolen card

Manage Your Cards

Access any of our card services from your phone

Notify us if you're traveling

Don't have a checking account?

To request a Visa debit card, you'll need to have a First Citizens checking account. Answer a few simple questions to find the right one for you.

Explore our checking accounts
FAQ

People often ask us

If you're unable to locate your debit card due to loss or theft, report it immediately by following these steps. Log in to Digital Banking, navigate to Manage Cards, select Report Card Lost or Stolen and complete the required information to request a replacement.

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.

To add and set your default card, go to Google Pay app and select Cards. Tap the card you want to make your default and tap Set as default.

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.

Insights

A few financial insights for your life

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Account openings are subject to bank approval.

Apple, the Apple logo and Apple Pay are trademarks of Apple, Inc., registered in the US and other countries.

Google Pay and the Google Pay logo are trademarks of Google, Inc.

Samsung and Samsung Pay are trademarks of Samsung Electronics, Ltd.

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.