Privacy Notice

Revised September 2019
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What does First Citizens Bancshares, Inc. do with your personal information?


Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the products or services you have with us. This information can include:

  • Social Security number
  • Credit history
  • Account balances
  • Credit scores
  • Income
  • Medical information


All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First Citizens BancShares, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First Citizens BancShares, Inc. share?

Can you limit this sharing?

For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus



For our marketing purposes—to offer our products and services to you



For joint marketing with other financial companies



For our affiliates' everyday business purposes—information about your transactions and experiences



For our affiliates' everyday business purposes—information about your creditworthiness



For our affiliates to market to you



For our non-affiliates to market to you


We don't share

To limit our sharing

Customers of First-Citizens Bank & Trust Company or Neuse Title Services, Inc.:

Customers of First Citizens Investor Services, Inc.:

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.


Call us toll free at 888-FC DIRECT (888-323-4732) daily from 7 am to 11 pm Eastern Time.

Or send us an email through our website. Please indicate "privacy" as the subject of your communication.

Who we are

Who is providing this notice?

First Citizens BancShares, Inc. and affiliates, including our financial service providers, banking, insurance, and securities affiliates.

What we do

How does the First Citizens BancShares, Inc. group of companies protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Only people who have a legitimate business reason to do so in connection with their job responsibilities are authorized to access customer information.

How does the First Citizens BancShares, Inc. group of companies collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan
  • Use your credit or debit card
  • Make deposits or withdrawals from your account
  • Provide account information
  • Give us your income information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates' everyday business purposes-information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account—unless you tell us otherwise.


Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. The First Citizens BancShares, Inc. group of companies are affiliates of each other and are financial services companies that include a bank (First-Citizens Bank & Trust Company), a securities broker-dealer (First Citizens Investor Services, Inc.), a registered investment advisor (First Citizens Asset Management, Inc.), and a title insurance agency (Neuse Title Services, Inc.).

Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. The First Citizens BancShares, Inc. group of companies does not share with non-affiliates so they can market to you.

Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include companies such as insurance companies and financial product or service marketing companies.

Other important information

If you are a California resident, we will not disclose information about you to nonaffiliated third parties except as permitted by applicable California law. To the extent California privacy laws apply to us, we will also limit our sharing of information about you with our affiliates.

If you are a Vermont resident, we will not share information about you, other than transaction and experience information, with our affiliates for any purpose, nor will we share any information about you with our affiliates for marketing purposes.

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.