Premier Banking

Experience personalized financial guidance that puts you first

Unlock the power of Premier Banking from First Citizens

If you have at least $100,000 in deposits and investments and are ready to put your money to work, Premier Banking can help. We empower clients to make more confident decisions with strategies designed to achieve both short-term objectives and long-term goals.

See why building relationships is in our DNA

Connect with a Premier banker

Premier Banking Benefits
Find services tailored to your unique needs

Personal banking

Managing your day-to-day finances should be easy, convenient and rewarding. Our Premier bankers stand ready to help optimize your personal banking arrangement while being accessible when you need us to give sound advice that makes budgeting, saving and making payments a breeze.

Life event planning

Life happens—from marriages to family planning to the loss of a loved one. And when life happens, we'll be there to help you plan in advance as a financial partner along life's journey.

Debt management

If you're borrowing for a new purchase or refinancing, we can provide flexible terms, preferred rates and streamlined underwriting on mortgages, consumer loans and credit cards.

Retirement planning

Enjoy the retirement lifestyle you deserve with guidance from Premier bankers and their team of experts. We'll assess if you're taking the right steps today to save in a tax-efficient manner to retire on your terms. As opportunities are identified, we can help you get on track by building a personalized strategy that allows you to prepare and retire with confidence.

Protection planning

Our financial planning process is designed to help you achieve your goals while preparing for events that could derail your plan. With our guidance, you can protect your assets, your income and your family's lifestyle should the unexpected occur.

Infographic depicting Premier relationship banking, which includes personal banking, risk management, retirement planning, protection planning and debt management

Premier relationship banking revolves around you

Premier Banking was created to help you achieve financial success. Our team of dedicated bankers offers personalized strategies tailored to your unique needs.

If you're planning for the future, managing assets, running a business or saving for major life events, we can help. We work with you on a one-on-one basis to apply our knowledge, experience and unique understanding of market trends to your financial situation.

Ask us about how we can customize a strategy for you that includes personal banking, risk management, retirement planning, protection planning and debt management solutions.

Premier Banking Solutions

Discover benefits that go far beyond banking

As your Premier banker, we can connect you to solutions reserved especially for our clients.

  • Premier relationship money market savings accounts with tiered-rate benefits, higher ATM withdrawal limits and more
  • Preferred rates on select savings, CD and consumer loans with a Premier checking account
  • Custom lending solutions backed up by dedicated attention and guidance

Insights
A few financial insights for your life

Investing

How Interest Rate Changes Can Affect Economic Trends

The balancing act between interest rates and inflation is affecting housing markets and investment returns, making it more important to have a solid financial plan.
A strategic approach to financial planning may help you navigate the current and future interest rate environment.
Retirement

Save Smarter for Retirement With These Strategies

Once you have enough for retirement, other saving options may hold advantages.
For 401(k)s, watch out for the notion that retirement planning is merely is limited to opening a 401(k) and then putting as much money into it as you can.
Home

Pros and Cons of Building Your Own Home

Is building your own home a good idea? Learn about the pros and cons of building versus buying.
Building your own home can offer many benefits, but there are a few key factors that determine whether you should build or buy.

This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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.

Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value.  They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands and Services Offered: First Citizens Wealth™ (FCW) is a marketing brand of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender, and SVB, a division of First-Citizens Bank & Trust Company. icon: sys-ehl

For more information about FCIS, FCAM or SVBW and its investment professionals, visit FirstCitizens.com/Wealth/Disclosures.

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.