Deposit Solutions

Personalized banking solutions to meet your financial goals

Enhanced services for unique banking needs

A dedicated private banker will work alongside you to leverage a range of deposit solutions like private checking, savings and money market accounts and near- to medium-term investment options designed to help you seamlessly execute your personal financial plan.

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A closer look at our deposit solutions

Address your cash management needs with our robust suite of private banking solutions.

Checking & Savings

  • Access cash immediately for daily transactions and operations
  • Take advantage of foreign currency service
  • Stay covered with FDIC insurance up to standard limits

Digital Banking

  • Manage all your accounts in one place
  • Track spending and create budgets
  • Transfer money and make payments
  • Set up alerts to monitor transactions

Certificate of Deposit

  • Earn higher yields on excess cash
  • Plan for near- to medium-term needs, such as tax payments, capital calls and investments
  • Secure rates consistent with earnings and savings objectives

Money Market

  • Access cash immediately
  • Earn competitive yields on cash balances for near-term purchases, investments and more
  • Prepare for unplanned cash flow needs

Debit & ATM Cards

  • Stay secure with real-time fraud monitoring and alerts
  • Enjoy higher purchase and ATM withdrawal limits
  • Use non-First Citizens ATMs with no First Citizens fees

Other Liquidity Solutions

  • Address liquidity needs through a variety of near- to medium-term cash investments
  • Examples include treasuries and taxable and tax-exempt money market mutual funds
  • Not FDIC insured or guaranteed by the bank

Looking for more private banking services?

Explore more of our comprehensive and personalized banking solutions.

Private Mortgage Lending

Learn more about private mortgage lending

Customized Lending

Learn more about customized lending

Securities-Backed Lines of Credit

Learn more about securities-backed lines of credit

Insights
A few insights for your financial plan

Planning

Is private banking right for you?

Here are some of the benefits you can expect if you choose a private bank for your financial needs.
The essence of a private bank is reflected in the quality and longevity of the relationships it forges over time.
Planning

Financial literacy for kids

Explore the benefits of teaching financial literacy to kids, along with challenges and fun activities to make learning easy.
When teaching your kids financial literacy, include them in your money conversations at different ages to help bring consistency to their own money journey.

Nerre Shuriah

JD, LLM, CM&AA, CBEC® | Senior Director of Wealth Planning and Knowledge

Planning

Tips for women's unique financial needs

When it comes to financial security, it's important for women to fully understand what their financial hurdles may be⁠—and how to overcome them.
Women are their own best advocates in everything they do, and this includes having a better understanding of their financial situation.

Nerre Shuriah

JD, LLM, CM&AA, CBEC® | Senior Director of Wealth Planning and Knowledge

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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.