Payments & Transfers

Move your money where you need it quickly and securely


Move Your Money Between Your Accounts

Move money between your accounts from your mobile phone, tablet or computer.

  • Transfer money from one First Citizens account to another, or to an account at another bankD
  • Make payments toward your First Citizens credit card or loan
  • Send money directly to other First Citizens customers
  • Make a single transfer or set up a recurring transfer

Pay Bills or Make Loan and Credit Card Payments on Your Terms

Schedule payments for all your bills including your First Citizens loans and credit cards.

  • Use Bill Pay to schedule payments to any business or person of your choosing, set up bill reminders and view payment history
  • Make payments to your First Citizens loans and credit cards from eligible checking or savings accounts
Send Money with Zelle

The Fast, Safe and Easy Way to Send Money

Send and receive money with Zelle® between friends, family and people you trust no matter where they bank in the US.DD

  • All you need is the mobile number of your recipients
  • Recipients receive payments directly in their bank account—typically within minutesD
  • You can even schedule future and recurring payments

People often ask us

You can find account and routing numbers for accounts with other institutions at the bottom of your checks from that bank. When adding an external account in Digital Banking, there are instructions, including a visual of a check pointing out your routing and account number. If you don't have a check from the external account you're looking to add, contact that bank to get the information you need.

Yes. You just need to set up the external account within Digital Banking. You'll need the routing and account numbers for the account you want to add. In the left navigation menu in Digital Banking under Payments and Transfers, select Add External Account and type in this information. We'll transfer two micro-deposits into the account.

To finish verifying the account, you'll need to report back on the amounts of those transfers. To do so, select the Verify New Account link in Digital Banking. It can take up to 3 days for the micro-deposits to appear in the other financial institution's account. Once the account has been verified in First Citizens Digital Banking, the external account will show in the To section of Transfer Funds going forward. Fees apply to sending funds to an external account, but there's no charge for incoming external transfers.

Yes. You can transfer money instantly to another First Citizens customer as long as they are also a Digital Banking customer. Select Payments and Transfers from the left navigation menu, then select Pay Bank Customer. You'll need to have the recipient's account type, email address associated with their Digital Banking account and last four digits of their account number. Once the account is linked, it will appear under transfer funds as an account you can make transfers to.

You can pay bills from any First Citizens checking account listed on your Accounts page within Digital Banking. When you access Bill Pay for the first time, you will be asked to select a Pay From Account to begin. If you would like to add another checking account to the service, select My Account within the Bill Pay service, then select Add Account from the Pay From accounts box.

You can set up payments for the date the money needs to arrive and processing will start before that date. You should select a payment date that's no later than the date you want the payee to receive your payment. If your payment due date falls on a non-business day, you should select a payment date that is at least 1 business day before the payment due date.

Some payees require payments to be received before a certain time of the day (such as 2 pm) on the payment due date. In those cases, the payment date you select should be at least 1 business day before the payment due date. The payment date you enter in your payment instructions should also be prior to any late date or grace period. Payments can't be set up to pay on weekends, major holidays when First Citizens is closed or more than 12 months in advance.

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.

A transaction fee of $2.99 applies when transferring funds from your First Citizens account to an account at another financial institution.

Transactions typically occur in minutes when the recipient's email address or US mobile number is already enrolled with Zelle.

Must have a bank account in the US to use Zelle.

To send payment requests or split payment requests to a US mobile number, the mobile number must already be enrolled with Zelle.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.