Personal Online & Mobile Services Menu

Frequently Asked Questions

Mobile Banking


+What is First Citizens Mobile Banking?

First Citizens Mobile Banking provides you FAST, SECURE and FREE* access to your eligible bank accounts so you can bank how, when and where you want. First Citizens offers several mobile banking options, and you can use any or all of the following:

  • Downloadable Mobile Apps: Download free First Citizens Mobile Apps for iPhone® and AndroidTM devices to view your account information, transfer funds, deposit checks, pay bills, Pay People with Popmoney® and find branches and ATMs.
  • Mobile Web: Visit firstcitizens.com from any smartphone browser to log in to a mobile webpage to view your accounts, transfer funds, pay bills, Pay People with Popmoney® and find branches and ATMs.
  • Text Banking: Access your account balances, recent transactions, and find branches and ATMs anytime, anywhere by sending simple text commands to ASKFCB (275322) — no smartphone required.
  • * First Citizens does not charge fees to download or use the First Citizens Mobile Banking app, First Citizens Mobile Web, or First Citizens Text Banking. However, fees may apply for using services in Mobile Banking. Your mobile carrier may charge for data and text message usage. Check with your carrier for more information.

+What do I need to access and use First Citizens Mobile Banking?

To get started you will need:

  • A First Citizens Personal Online Banking username and password AND
  • At least one First Citizens account, such as a deposit account, a credit card or a loan (see below for all eligible account types) AND
  • A smartphone or tablet that can download a mobile banking app OR access the Mobile Web at firstcitizens.com OR
  • Any phone with text messaging/SMS capability (for Text Banking)
+What if I forgot my user name or password?

If you need to reset your user id or password, simply click on the "Forgot User ID" or "Forgot Password" links on the apps or mobile web login screens and follow the directions. You will need your ATM card number and PIN to complete the process. After your user id or password has been reset, return to the mobile app or mobile web and:

  • Turn off "Remember Me" if your old user id is saved on the device
  • Select "Log in as Someone Else"
  • Enter your new user id and/or password
  • Turn "Remember Me" on and select "Log in"
+What accounts can I access with First Citizens Mobile Banking?

You can access the same accounts in Mobile Banking that you can access in Personal Online Banking, including:

  • Checking
  • Savings
  • Money Market
  • Certificate of Deposit (CD)
  • Individual Retirement Account (IRA)
  • Credit Card
  • Line of Credit
  • Loan (excludes Mortgage)
+What does Mobile Banking cost?
First Citizens does not charge fees to download or use the First Citizens Mobile Banking app, First Citizens Mobile Web, or First Citizens Text Banking. However, fees may apply to services used in Mobile Banking. Your mobile carrier may charge for data and text message usage. You should contact your mobile provider or review your service plan for more information about fees associated with sending or receiving text messages or accessing the Internet from your mobile device's browser.
+Does Mobile Banking work outside of the U.S.?
Mobile Banking should work outside of the U.S. as long as your mobile service provider has Internet service in the country you are visiting. However, First Citizens makes no guarantees about international coverage or availability. Check with your carrier for more information about international service coverage, roaming charges, Internet access, and message and data charges.
+Why can I see some of my bank accounts in Personal Online Banking, but not in Mobile Banking?
By default, the accounts that you can view in Personal Online Banking are available in Mobile Banking. You have the option to de-select any of your accounts from Mobile Banking. If you see accounts in Personal Online Banking, but not in Mobile Banking, you have most likely unselected some of those accounts from Mobile Banking at some point. To view them in Mobile Banking, simply log in to your online banking account, select the Mobile tab, and re-select those accounts on the Accounts page. You will then be able to view them in Mobile Banking.
+Is Mobile Banking available in any language other than English?
No, Mobile Banking is currently only available in English.
+Can I view my business accounts in Mobile Banking?
Business accounts are accessible through Mobile Banking if they are registered to a Personal Online Banking account. At this time we do not offer Mobile Banking for customers that use Business Online Banking.
+Which mobile devices does Mobile Banking work on?

Mobile Banking works on most major devices, including:

  • AndroidTM phones (App and Mobile Web) with operating systems version 2.2 or higher
  • iPhones® (App and Mobile Web) with operating systems version 4.3 or higher
  • iPads® (iPhone® App and Mobile Web)
  • iPod® Touch (iPhone® App and Mobile Web)
  • BlackBerry (Mobile Web)
  • Windows Phone (Mobile Web)
  • View a complete list of mobile phones that support First Citizens Mobile Banking
  • Mobile Web works on any smartphone with a mobile browser
  • Text Banking works on any phone with text/SMS capabilities

Can’t find the answer you need?

If you didn’t find what you were looking for, please send us your questions directly.

Email us

Or call

1.888.FC DIRECT (1.888.323.4732)

Email your question or comment

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

To get additional information or to send a comment about First Citizens Bank, our products and services, please complete the online form below.

* indicates required field

Request a Call

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

Would you like to know more about our products and services? Give us your name, phone number, area of interest and what time is convenient for you. We will have a qualified First Citizens associate contact you to answer your questions.

* indicates required field

Personalize Your Banking Experience

First Citizens Bank product offerings differ from region to region. In order to accurately display information on accounts, rates and special promotions specific to your area, please enter your 5-digit ZIP Code below.

Email

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

To contact , please complete the following form.

* indicates required field

Deposit cash or checks without an envelope 24 hours a day, seven days a week

Learn more »

Please Upgrade your browser

Your Browser Is Not Supported – Please Upgrade

In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

We strongly recommend that you upgrade now.

If you do not upgrade your browser, you may experience functional or display issues on the pages you are attempting to access.