Frequently Asked Questions

Personal Credit Cards

If you have a current banking relationship with First Citizens, you can apply online by completing our easy and secure online application. If you are a new customer, visit a branch near you or call 1.888.FC DIRECT (1.888.323.4732) to apply.
It's easy. We provide several convenient payment options:
  • Use Digital Banking or Mobile & Tablet Banking to transfer money from another First Citizens account to your credit card account
  • Call 1.888.FC DIRECT (1.888.323.4732) to make a payment over the phone
  • Drop off your payment at your local branch
  • Send your payment to First Citizens Bank, PO Box 63001, Charlotte, NC 28263-3001
Yes. You can access your First Citizens credit card information online through Digital Banking. You can view your current account status and review 6 months' worth of transaction history. You can also access account information and view recent transactions in Mobile & Tablet Banking.
An APR, or annual percentage rate, represents the cost of credit on a yearly basis.
First Citizens Rewards® consumer cardholders who have a credit line of $5,000 or more, are automatically upgraded to Visa Signature status and have access to enhanced benefits.
Before you sign on or off of your computer, make sure no one but you can see your login information. Keep all documents that have your account information (such as your bank statements) in a safe and secure place (such as a locked desk drawer or filing cabinet). And never share your login or account information with anyone.
When you pay your First Citizens credit card bill online from a First Citizens account, any payment funds transferred before 9 PM ET (even on weekends and holidays) are credited the same day. Your updated account balance and availability of funds could take 2 business days. When you pay your First Citizens credit card bill online from a non-First Citizens checking or savings account, the payment will be requested within 24 hours after you submit the payment online.
No. Only you can access your financial account information using your Customer ID and Password.
Contact the merchant where the potentially fraudulent activity took place and call us at 1.800.543.9000 as soon as you realize the problem. It may be that the merchant can simply adjust an incorrect charge, or it may be a case of identity theft, which we would need to know about immediately.
Please call our personal credit card customer service team at 1.800.543.9000.
Please call 1.800.543.9000 and say "Report Fraud."
Contact the First Citizens Rewards® Center at 1.866.645.1694. Customer Service Representatives are available 7 days a week between the hours of 7:00 a.m. and 11:00 p.m. Eastern time. You may also access your account at, Opens in a new tab.
First Citizens uses sophisticated real-time fraud monitoring to monitor for possible signs of fraudulent activity. In the case of unusual activity, First Citizens will promptly notify you by phone, text, or email.

Additional Information

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