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  2. Online & Mobile
  3. Digital Banking
  4. Payments & Transfers
Online & Mobile Menu
  1. Personal
  2. Online & Mobile
  3. Digital Banking
  4. Payments & Transfers

Payments & Transfers

Simple. Easy. Convenient. We've got you covered when it comes to making payments or transferring money – and you can do it all from your computer, tablet or mobile phone.

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Bill Pay

  • Pay a single bill or multiple bills at once in seconds
  • Set up recurring payments and reminders
  • View upcoming bill payments and bill history
  • Receive bills electronically with eBills
  • Receive protection in the event of unauthorized transactions or processing delays

Best if you want to:

  • Pay your mortgage or utility bills
  • Make payments to other service providers outside of First Citizens

Delivery time: 1-5 Business Days

Transfer Funds

  • Transfer funds between your First Citizens accounts or accounts at other financial institutions1
  • Send money to other First Citizens customers
  • Set up a single or recurring transfer
  • View upcoming transfers and transfer history

Best if you want to:

  • Send money to a First Citizens customer
  • Move funds between your First Citizens accounts and your accounts with other banks

Delivery time: Varies

Send Money with Zelle®

  • Send and receive money using an email address or mobile number; no account information required
  • Recipients receive payments directly in their bank accounts

Best if you want to:

  • Send money to friends and family quickly and easily

Delivery time: Minutes

Compare your payment and tranfer options
Best if you want
  • Pay your mortgage or utility bills
  • Make payments to other service providers outside of First Citizens
  • Send money instantly to other First Citizens customers
  • Transfer funds between your First Citizens accounts or accounts at other financial institutions1
  • To send money to friends and family quickly and easily
Features
  • Pay a single bill or multiple bills at once in seconds
  • Set up recurring payments and reminders
  • Receive bills electronically with eBills
  • Receive protection in the event of unauthorized transactions or processing delays
  • Transfer funds between your
    First Citizens accounts or accounts at other financial institutions1
  • Send money instantly to other First Citizens customers
  • Send and receive money using an email address or mobile number; no account information required
  • Recipients receive payments directly in their bank accounts
Delivery Time 1-5 Business Days Varies Minutes

Explore all of the great features & benefits of First Citizens Digital Banking

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+ View Legal Disclosures− Hide Legal Disclosures

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.

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

Zelle should only be used to send money to friends, family or others you trust.

We recommend that you do not use Zelle to send money to persons that you do not know. Transfers require enrollment in the service and must be made from an eligible First Citizens personal deposit account to a domestic bank account or debit card. Recipients have 14 days to enroll to receive money or the transfer will be canceled. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. Dollar and frequency limits apply. Payment requests to persons not already enrolled in Zelle must be sent to a U.S. email address. Data connection required. Message and data rates may apply. Neither First Citizens nor Zelle offers a protection program for any authorized payments made with Zelle.