Learn How First Citizens Protects Your Account Information

Protecting your confidential account information is one of our highest priorities. That's why we have state-of-the-art Internet security technology in place to protect your confidential personal and financial information.

At First Citizens we:

  • Respect your privacy and ensure that we follow procedures to protect all personal and account information. View our Privacy Notice
  • Train our associates on the importance of confidentiality and protection of sensitive information.
  • Employ stringent internal and external security standards.
  • Use data encryption and fraud detection systems. These include:

Unique Identifiers

To access your account and certain financial services, including Digital Banking and BOB Advantage®, you are required to enter valid access codes such as a customer/user identification code and password. Additional authentication measures to access our online banking products are described in our online banking agreements. Without proper identification, access to your account information is denied.

Browsers and Encryption

We require the use of a web browser to access our online services, including online banking. It is best if the browser version you use is still actively supported by the service provider. These browser versions will help protect communication to our website by encrypting the information between you and our site. We utilize Transport Layer Security (TLS) technology, if supported by the browser, or Secure Socket Layer (SSL), both of which encrypt sensitive information transmitted over the internet between your computer's browser and our computer systems (like your password and customer/user identification code) into secure code that is highly unlikely to be read by unauthorized parties. To access your account through online banking, we require the use of a web browser that supports at least128-bit SSL/TLS encryption technology - among the strongest and most widely used methods of securing internet transactions. You will know that your information is being protected when you see a URL that begins with "https" (instead of "http") in the address line, a secure symbol, such as a closed padlock or key icon, at the edge of your browser screen and the address bar is highlighted in green to indicate a properly secured session.


The computers that run our website are protected by constantly monitored firewalls that act as a barrier between the internet and our secure computer network - preventing unauthorized access. Every message that enters or leaves our network passes through the firewall. Messages that do not meet our criteria are blocked.

Virus Protection

We employ up-to-date anti-virus protection technology to detect viruses and prevent them from damaging our computer network.

Timeout Feature

Our online applications have a timeout feature that automatically ends your session after a certain period of inactivity.

We strive to offer you the best products, services and security possible. To ensure that your information is as safe as possible, please become familiar with tips you can use to protect your personal information.