Call Us

Call First Citizens (FCB)

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 8 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

2024 holiday operating hours and branch closings

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

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)

844-826-8489

Available 24 hours a day
7 days a week

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

888-514-6849

Monday thru Friday
8 am to 9 pm ET

Saturday and Sunday
8 am to 8 pm ET

Community Association Banking

866-800-4656

Monday thru Friday
8 am to 7 pm ET

Equipment Financing & Leasing

866-777-0117

Monday thru Friday
8:30 am to 5:30 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

2024 holiday operating hours and branch closings

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 business credit card for Credit Card Activation (888-514-6849) 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 8 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

2024 holiday operating hours and branch closings

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

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.

NMLSR ID 503941