First Citizens is committed to protecting your confidential account information, and uses many different best-practice security features to keep your information safe, including:
- 128 bit SSL encryption, similar to what's used in online banking, encrypts and protects any transmission of data including sensitive account information
- Secure firewalls help keep mobile banking protected against unauthorized or malicious intrusion
- Automatic account lock-out protection prevents unauthorized access after three incorrect login attempts from your mobile device
- First Citizens mobile apps and web require you to answer one security question at first-time login and when you initiate any payment activities that move money outside of your First Citizens accounts, including bill payments
- Partial, or masked, account numbers prevent anyone from looking at your mobile device without your permission or obtaining your entire account number
There are also a variety of steps you can take to further protect your mobile banking experience, including:
- When downloading mobile apps, only download the First Citizens Mobile Banking app directly from Google Play for AndroidTM, and the App Store for iPhone®, and not from any 3rd parties who may try to post download links
- Protect your Online Banking password and do not reveal it to anyone
- Memorize your password - never store it on your mobile device or write it on paper that you keep near your phone or carry with you
- Do not choose passwords that incorporate your name, telephone number, address or birthday or those of any close friend or relative
- Never leave your mobile device unattended
- Use your phone's built-in lock function - set up password protection for startup or time-out
- Disable features like WiFi, Bluetooth, and Near Field Communications (NFC) when not in use
- Routinely clear your text message history if you use Text Banking and delete Online Banking email alerts from your phone's email inbox after you have read them
If your phone is lost or stolen, it is unlikely that someone could access your account information unless they also know your Personal Online Banking user ID and password. No personal information from your Mobile Banking account is ever stored on the phone. Your password is never stored. However, to be safe you should contact First Citizens as soon as possible by calling 1.855.322.6624. Our agents can assist you in suspending or deregistering your mobile banking account. You should also contact your mobile carrier to suspend or deactivate your phone's network connectivity. Your carrier may also be able to perform a remote reset, which will reset your phone to factory settings, which will remove more information from your phone.
Most mobile phones include easy access to email, app stores, and other Internet services such as Netflix, eReader stores, etc. These usually rely on passwords being stored on the device. Since this would allow an unauthorized user of your phone ready access to these services, as soon as possible, logon to those services from another device and change your password to prevent charges to your credit or bank cards.
For more information about how First Citizens protects your confidential financial information, please read our privacy and security commitment.
iPhone® is a registered trademark of Apple, Inc. AndroidTM is a trademark of Google, Inc.
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.