Call Us

Contact Phone Numbers

Customer Service

888-FC DIRECT

Toll-free 888-323-4732

Automated system available
24 hours a day, 7 days a week

Customer service reps available
Monday thru Friday 8 am to 9 pm ET
Saturday and Sunday 8 am to 8 pm ET

New Accounts

877-532-2669

Monday thru Friday
8 am to 8 pm ET

Other Important Numbers

Service

Phone

Hours

Outside the United States

919-716-4588

24/7

Credit Cards

800-543-9000

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Credit Cards Outside the US

540-561-4707

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Credit Card Activations

888-514-6846

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

First Citizens Rewards Center

866-645-1694

Monday thru Saturday
8 am to 9 pm ET

Sunday
8 am to 6 pm ET

Insurance

888-322-4678

Monday thru Friday
8 am to 5 pm ET

Life Insurance

866-322-5433

Monday thru Friday
8 am to 5 pm ET

Mortgage Customer Service

800-845-3161

Monday thru Friday
8:30 am to 6 pm ET

Report Fraud Account Activity

866-567-7760

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Debit Card Activations

800-562-1337

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Zelle®

877-206-3818

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

FAQ

People often ask us

To get started when calling First Citizens Direct (888-FC DIRECT), you'll be prompted to say the reason for your call for proper routing:

  • Personal banking
  • Business banking
  • Fraud alert
  • Apply for a new account or loan

The following self-serve options are available when Personal Banking is selected:

  • Repeat balance
  • Recent transactions
  • Checking and savings accounts

A representative can help you with:

  • Card services
  • Mortgages and loans
  • Digital Banking
  • Applying for a new account or loan
  • Other banking services
  • Business banking

The following self-serve options are available when Checking and Savings is selected:

  • Transfer funds
  • Make a payment
  • Check balances
  • Get check information
  • Stop a payment

A representative can help you with:

  • Report fraud
  • Change overdraft settings
  • Reorder checks

The following self-serve options are available when Card Services is selected:

  • Make a payment
  • Check your card balance
  • Check your rewards balance
  • Report travel
  • Freeze or unfreeze a card
  • Check your digital wallet

A representative can help you with:

  • Reporting fraud
  • Requesting a credit increase
  • Other types of support

The following options are available when Mortgages and Loans is selected:

  • Make a payment
  • Get information
  • Apply for a mortgage or loan

The following options are available when Other Bank Services is selected:

  • Make a payment
  • Report a card lost, stolen or damaged
  • Transfer funds
  • Reorder checks
  • Report fraud
  • Reach brokerage or trading department

When calling Credit Card Activation (888-514-6846) or Debit Card Activation (800-562-1337) from the number on the sticker of a new credit card, you'll be asked to enter your 16-digit card number along with additional information. Upon successfully authenticating, your card will be activated.

When calling Bankcard Services (800-543-9000), you'll first be asked questions to authenticate your account. If you're unable to authenticate, you'll be sent to speak to a representative.

The menu options include:

  • Check recent card transactions (available as self-service option)
  • Report your card lost, stolen or damaged
  • Activate a card
  • Freeze or unfreeze a card
  • Make a payment
  • Report travel
  • Report fraud

Customer Service

866-FCB-4BIZ

Toll-free 866-322-4249

Automated system available
24 hours a day, 7 days a week

Digital Banking for business customer service reps available
Monday thru Friday 8 am to 9 pm ET
Saturday 8 am to 8 pm ET

Commercial Advantage customer service reps available
Monday thru Friday 8 am to 9 pm ET

New Business Credit Card

877-532-2669

Monday thru Friday
8 am to 8 pm ET

Other Important Numbers

Service

Phone

Hours

Outside the United States

919-716-4588

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Merchant Services (Customer Servicing)

800-564-1774

Monday thru Friday
8 am to 5:30 pm ET

Insurance

888-322-4678

Monday thru Friday
8 am to 5 pm ET

Credit Cards

800-543-9000

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Credit Cards Outside the US

540-561-4707

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Credit Card Activations

888-514-6846

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

First Citizens Rewards Center

866-645-1694

Monday thru Saturday
8 am to 9 pm ET

Sunday
8 am to 6 pm ET

Report Fraud Account Activity

866-567-7760

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Debit Card Activations

800-562-1337

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Existing SBA 7(a) Loans

866-372-9830

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

FAQ

People often ask us

When calling First Citizens Business (866-322-4BIZ), you'll be prompted to say the reason for your call for proper routing. To use our 24-hour automated services, you can say Continue. Otherwise, select from the following:

  • Commercial Advantage or Digital Banking for Business
  • Treasury Management Services
  • Remote Deposit Capture Support
  • Fraud Alert
  • New Account
  • Bill Pay
  • Password Assistance
  • Transaction Authentication

When you call the number on the sticker of a new credit card for Credit Card Activation (888-514-6846) or Debit Card Activation (800-562-1337), you'll be asked to enter your 16-digit card number along with additional information. Upon successfully authenticating, your card will be activated.

When calling Bankcard Services (800-543-9000), you'll first be asked questions to authenticate your account. If you're unable to authenticate, you'll be sent to speak to a representative.

The following self-serve options are available when Bankcard Services is selected:

  • Make a payment
  • Check your card balance
  • Report travel
  • Freeze or unfreeze a card
  • Check your digital wallet

A representative can help you with:

  • Reporting fraud
  • Requesting a credit increase
  • Other types of support

Customer Service

855-329-3258

Customer service reps available
Monday thru Friday 8 am to 5 pm ET

Other Important Numbers

Service

Phone

Hours

Outside the United States

919-716-4588

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Credit Cards

800-543-9000

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Credit Cards Outside the US

540-561-4707

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Credit Card Activations

888-514-6846

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

First Citizens Rewards Center

866-645-1694

Monday thru Saturday
8 am to 9 pm ET

Sunday
8 am to 6 pm ET

Insurance

888-322-4678

Monday thru Friday
8 am to 5 pm ET

Life Insurance

866-322-5433

Monday thru Friday
8 am to 5 pm ET

Mortgage Customer Service

800-845-3161

Monday thru Friday
8:30 am to 6 pm ET

Report Fraud Account Activity

866-567-7760

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Debit Card Activations

800-562-1337

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Zelle®

877-206-3818

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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