Open an Account

Choose the best account type to fit your needs


Looking to add another checking account? Our checking accounts put you in control with convenient spending options and secure online banking.

Free Checking

Premier Checking

Prestige Checking

Credit Cards

Apply for a credit card that works for you, whether you're looking to build your credit, earn exclusive travel rewards or enjoy unlimited cash back.

Travel Rewards


Cash Rewards

Smart Option


Get the funds you need to achieve your dreams. From auto to home loans, our bankers can help you meet your goals.

Auto Loans

Home Improvement Loans

Home Equity Lines of Credit

Home Equity Loans

Money Saver Mortgages

Personal Loans


Get peace of mind for the things that matter most, and protect yourself from the unexpected with an affordable insurance policy.

Vehicle Insurance

Property Insurance

Life Insurance

Pet Insurance

Umbrella Insurance


Save for a rainy day or sunny vacation with competitive interest rates and affordable minimum opening deposits.

Online Savings

Money Market

Certificates of Deposit (CDs)

Looking to open a small business account?

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Send money with Zelle®

Transfer funds to other accounts

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Payments & Transfers

Instantly move your money wherever you need it

Send money with Zelle®

Payments & Transfers

Instantly move your money wherever you need it

Transfer funds to other accounts


People often ask us

If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank or savings association, you do not need to worry about your insurance coverage - your deposits are fully insured. A depositor can have more than $250,000 at one insured bank or savings association and still be fully insured provided the accounts meet certain requirements. In addition, federal law provides for insurance coverage of up to $250,000 for certain retirement accounts.

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 Banking.

Yes. You can access your personal accounts are through Digital Banking, including the mobile and tablet apps, if they are tied to your Digital Banking profile.

You can transfer from any of your checking, savings, equity line or money market accounts.

You can transfer money to your First Citizens checking accounts, savings accounts, money market accounts, credit cards, consumer loans and lines of credit. A transfer to your First Citizens credit card is credited the same day. Your transfer could take 3 to 4 business days to post to your credit card account.

Account openings and credit are subject to bank approval.

For complete list of account details and fees, see our Personal Account Disclosures.

Normal credit approval applies.

For more information, please see the First Citizens Consumer Credit Card Cardholder Agreement and Disclosure (PDF).

Not applicable in all states.

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

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

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