Visa Debit Card

The fast and secure way to pay

Request a Card
Log in to Digital Banking to request a debit card

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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

Choose the right level of overdraft protectionD for your account.

Contactless payments

Use a fast, touch-free and secure way to pay.

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.

Credit monitoring

Take charge of your credit rating with DOVLY Uplift™, a Visa-backed free credit monitoring service. Dispute credit issues, monitor and track score changes, and more.D

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

Learn more about managing your card security and alerts

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

Learn more about managing your card security and alerts

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 Visa debit 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.

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

Budgeting

Account alerts for better money management

Life is already busy. These account alerts make managing your money easy.
Account alerts can keep you from overdrawing your accounts and keep them secure.
Saving

What you should know about saving versus spending

Beyond your basic needs, there are four key principles everyone should keep in mind.
It’s never too early or too late to begin saving for your retirement. Even a small amount invested consistently will add up over time.
Banking

How the banking system works

The banking system helps us keep up with the full range of our financial needs.
These days, more and more banks offer extensive digital services.

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 (PDF) for information on unauthorized transactions.

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.

DOVLY Uplift™ credit monitoring, Cellular Telephone Protection, Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver, Porch Piracy Protection, Rideshare Protection and Trip Delay Reimbursement provided by Visa®. Certain terms, conditions and exclusions apply. For complete details, please refer to Your Guide to Benefits for Visa Signature Cardholders (PDF) or Your Guide to Benefits for Visa Traditional Cardholders (PDF).

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.

NMLSR ID 503941