Control your portfolio
Invest how you want, when you want, in real time with Self-Directed Investing.
Prepare your business for what's next in 2026
Get actionable strategies and insights to strengthen your business's financial resilience in the changing economic landscape.
See how we're supporting companies
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
February Basis Points
The Making Sense team highlights key issues from the first weeks of the new year, including US equities and a low-hire, low-fire labor market.
Your cash flow needs are complex, and having a lending partner who understands these complexities is key to helping you reach your goals. With your overall wealth strategy in mind, we work with you to identify lending solutions that take your debt preferences, cash flow goals, repayment sources and collateral into account.
Advance and use funds at your own discretion, such as a down payment on a home, a remodel, tax payments or general working capital. These lines of credit can be revolving or non-revolving, secured or unsecured—with terms built around your unique needs.
We know the unique and complex capital commitments of venture capital and private equity investors. We'll leverage our years of experience to evaluate credit facilities to finance a portion of your commitments and support the growth and appreciation of your stake in the partnership.
Acquiring or refinancing aircraft takes expertise and a view of your holistic wealth strategy to help craft a credit arrangement that will work for you.
Our lending opportunities extend to a variety of specialized options, such as recreational vehicles, boats, life insurance premium financing, commercial real estate lending and more.
See how our private banking services can help you move forward.
A customized loan is a loan tailored to your unique liquidity requirements and timeline, collateral and intended outcomes. At First Citizens, you'll work with a private banker who keeps your full financial picture and wealth plan in mind when building your customized loan.
Customized loans can be used for a variety of purposes. For example, First Citizens provides customized loans for boats, yachts, fine art, aircraft, life insurance premiums, real estate and more.
Nerre Shuriah
JD, LLM, CM&AA, CBEC® | Senior Director of Wealth Planning and Knowledge
Nerre Shuriah
JD, LLM, CM&AA, CBEC® | Senior Director of Wealth Planning and Knowledge
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.
Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.
Your investments in securities and insurance products are not insured by the FDIC or any other federal government agency and may lose value. They are not deposits or other obligations of, or guaranteed by, any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. Past performance does not guarantee future results. There is no guarantee that a strategy will achieve its objective.
About the Entities, Brands, Products and Services Offered
First Citizens Wealth® (FCW) is a registered trademark of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares Inc. are the entities through which FCW products and services are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. (FCIS), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. (FCAM), and SVB Wealth LLC (SVBW), all SEC registered investment advisers. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions, or to all investors. Insurance products are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender icon: sys-ehl, and First Citizens Delaware Trust Company.
All loans provided by First-Citizens Bank & Trust Company are subject to underwriting, credit, and collateral approval. Financing availability may vary by state. Restrictions may apply. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not a commitment to lend. Terms and conditions apply. NMLSR ID 503941
For more information about FCIS, FCAM, or SVBW and its investment professionals, visit FirstCitizens.com/Wealth/Disclosures.
See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.
Treasury & Cash Management
Electronic Bill Presentment & Payment
Investment & Retirement Services
Community Association Banking
Equipment Financing & Leasing
Credit Cards
Merchant Services
Email Us
Please select the option that best matches your needs.
Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.