Manage My Money

Our tools help you make the most of your money

Accounts

See the Big Picture

Get a glimpse of your full financial picture by adding all your accounts to Manage My Money™ in Digital Banking. You can even add the accounts you have with other banks.

  • View your First Citizens account balances and transactions
  • Connect your non-First Citizens checking, savings, mortgage, credit cards, loan and investment accounts
  • Add non-bank accounts manually, such as the equity in your home or other property, fully paid for vehicles and other assets
  • View your categorized transactions across all your accounts
Spending

Know Where Your Money Goes

Clearly see where your money is going across all of your accounts.

  • View your categorized spending across all your accounts
  • See how much you spend on rent, utilities, travel, groceries, shopping and more
  • Edit or re-categorize transactions, create sub-categories of spending and even split transactions between categories
  • Track both personal and business expenses
Budget

Create and Manage Your Budget

See how your spending impacts your budgets. 

  • Create budget categories to help you track your spending
  • Watch your budget grow—the bigger the budget bubble, the larger your budget
  • Visualize how your budgets are tracking with simple color coding. Green for healthy budgets, red for over budget and yellow lets you know to watch your spending
  • Review specific transactions in each budget category and update your budget if needed
Trends

Track Trends Over Time

Monitor how your spending changes over time to plan accordingly.

  • Track your spending changes over time by category
  • Use this view to help plan for unexpected or seasonal spending, such as increased travel in the summer or holiday spending
  • See the transactions that lead to large changes in monthly spending to help you budget accordingly
Debt

Keep Tabs on Debt

See all of your debt, including credit cards, car and student loans. 

  • View balance, interest rates and payments due for each loan or credit card (some external accounts may require entering this information if unavailable)
  • Develop payoff scenarios around paying down debt based on lowest amount owed, highest interest rate and more
  • Set monthly debt payment targets to help you become debt free sooner
Net Worth

Monitor Your Net Worth

See your full financial picture by linking all of your accounts with other financial institutions.

  • View your net worth, including gains and losses, for all your accounts
  • See how your net worth changes over time
  • Analyze specific gains and losses for each account over time
Cash Flow

Manage and View Your Cash Flow

Keep track of your balances and how your scheduled transactions impact your account balances.

  • See how payments including rent, utilities, recurring subscription services and other payments impact your balance
  • Add your paycheck, direct deposit and other income to see your full monthly cash flow
  • See how your balances change throughout the month, and if you need to consider making a transfer to avoid a low-balance day 

Ready to get started?

Step 1

Open an account

To use Manage My Money, you'll need a First Citizens checking account.

Step 2

Log In

You automatically have access to Digital Banking with your new account. Simply log in.

Step 3

Add accounts

Select Manage My Money from the main menu to link other bank accounts, loans, investments and assets.

FAQ

People often ask us

With First Citizens Manage My Money, you can view all of your accounts and transactions, including non-First Citizens accounts, within Digital Banking. These can include checking, savings, credit cards, auto and personal loans, mortgages, investments, insurance, retirement plans and more. You can even manually add an account, such as the equity in your home, a property without a mortgage, or the value of a family heirloom, jewelry, paid-for vehicles or other assets using the Add Manual Account feature.

To add a non-First Citizens account, select the Manage My Money icon in the Digital Banking menu, and then select the "Add an Account" button in the top right corner of the screen.

Insights

Get insights into budgeting your money

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Please see our Digital Banking Fee Schedule and Digital Banking Agreement.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. 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.

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