Products and services to keep your business flowing steady

Our Expertise

Personalized service to back your specialized skills

  • Finance the right tools for your plumbing business with equipment financing and leasing, business loans, and lines of credit
  • Keep your payments and daily operations on time with merchant services and ACH collections services
  • Make your money work for you with money market savings accounts and institutional investmentsD
Products and Services

Customizable solutions for plumbers

Small Business Lending

Get flexible financing, including SBA term loan options.DDD

Equipment Financing and Lending

Utilize flexible lending solutions for equipment, vehicles and the tools your plumbing business needs to get the job done.

Credit Cards

Conveniently handle business spending and earn rewards at the same time with business Visa® credit cards.

Lines of Credit

Borrow what you need and get easy access to funds that can help you manage fluctuations in cash flow.

Merchant Services

Get customized payment processing services that enable your business to maintain a steady cash flow.

Remote Deposit Capture

Save time by depositing checks remotely using our desktop scanner.D

Fraud Risk Management

Protect your skilled trade business from every angle with advanced loss prevention services.


Ensure your business is protected with a range of insurance options—like equipment breakdown, property and casualty insurance, and workers' compensation.D

Wealth Advisory

Build a relationship with a wealth advisor to gain crucial insights on personal accounts, personal wealth planning and retirement planning.D

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

merchant services

Payment processing tailored for you

Expand customer payment options and streamline your operations.
Business Vehicle & Equipment Financing

Flexible options for financing growth

Get the vehicles and equipment your business needs and maintain cash flow.
Franchise financing

Expand your goals


People often ask us

Leveraging equipment needs through equipment financing can be a beneficial strategy for keeping cash reserves and minimizing the impact to cash flow. There can also be potential tax savings from these loans.

The plumbing industry and plumbing businesses are essential and necessary. We support the plumbing industry by meeting directly with business owners and management to understand the unique concerns and opportunities of that particular business. We then pair those businesses with the right financial solutions to meet their needs.

Skilled Trades Insights

Grow your business

Account openings and credit are subject to bank approval.

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results.

Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.

Approved to offer SBA loan products under the SBA Preferred Lenders program.

First Citizens Bank offers SBA 7(a) loans in select areas within Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, Texas, South Carolina, Virginia, Washington and West Virginia.

Remote Deposit Capture is subject to contractual terms and conditions.

Term of the loan will depend on use of funds.

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.