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).

No one can prevent all identity theft. NortonLifeLock™ is the benefit provider and is solely responsible for the program and all its associated services. Neither Visa nor First Citizens shall have any responsibility or liability in connection with NortonLifeLock™ rendering of the service.

Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind isn't included but can be accommodated for an additional fee. Standard winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances.

Additional terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor First Citizens shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other off-road areas not accessible by ordinary towing vehicles. Weather conditions, time of day and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location. However, neither Visa nor First Citizens provides any assurances as to the ability of the service provider to meet such estimates. You're responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you're not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services are provided by Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation; and Cross Country Motor Club of California, Inc., a California corporation. Current fee for a standard service call is $69.95. Service call fees are subject to change at any time. However, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

All First Citizens credit cards automatically protect you from liability for unauthorized transactions when you report them promptly. For more information, please see the First Citizens Consumer Credit Card Cardholder Agreement and Disclosure (PDF).