How to Identify First Citizens Text Messages

At First Citizens, making sure your money and account information are secure is our first priority. Knowing when and how we send you text messages can help you identify fraudulent messages.

How we send text messages

We use 5 and 6-digit number codes—not 10-digit phone numbers—to send text message alerts related to activities or transactions on your account. Here are some frequently used text code numbers to be aware of:

Number code

Reason for message

86434
  • Secure access codes for certain Digital Banking related activity. We will never ask you for this code.
  • Security alerts for certain activity on your Digital Banking profile, such as an address or password change.
  • Account alerts, including account balance activity, transaction activity and overdraft protection notifications.

64985
  • Card alerts, including card activity, payment reminders, online use of your card and more.

767666
  • Zelle® notifications when someone sends money to you using Zelle®.

51428
  • Debit and credit card fraud alerts when we think there may be suspicious transactions.
  • This alert will list the last four digits of the card number, merchant name and amount, and ask you to respond YES or NO.

87175
  • After you call the Customer Engagement Center, you may be sent a one-time passcode from this text code if we need to verify your identify. We'll never call you asking for a passcode, password or username.

How to reduce your risk

Scammers can make text messages look like they're from First Citizens. There are variations of text message scams including this one:

Text message scam example from first-citizensauthsms@ueael.com asking for verification

Steps you can take to minimize risk

  • Never click on suspicious links in texts or emails.
  • Save the above codes to your contacts and give them a unique label so you'll know when we're sending you a text message.
  • Don't share your account information, user IDs, passwords or other sensitive information through text, email or with an unsolicited caller.
  • Enroll in First Citizens Digital Banking text and email alerts to help you keep on top of your account activity.
  • Never give your Digital Banking Secure Access Code, or SAC, to anyone.

If something looks suspicious or you're just not sure if a communication is legitimate, please call us at 888-323-4732 or visit your local branch. And remember that we'll never text, email or call you to request security codes or other sensitive personal information.

We're committed to protecting the security of your finances and information.

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.

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

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