First Citizens Bank Customer FAQ
Top Answers & How-to Guides
What is First Citizens Bank's Phone Number?
The question we are asked most often is about how to talk to First Citizens Bank customer service. Click here for contact information, email and chat options, getting a live person, wait times and more.
How do I open a new account?
To open a new account with First Citizens Bank, prospective customers typically need to follow a straightforward process. First, it
After selecting the desired account type, individuals can usually begin the application process online. This process often requires providing some personal information, which may include your name, address, contact details, Social Security number, and employment information. It is also common to need valid identification, such as a driver’s license or passport.
In many cases, applicants can fund their new account during the application process, so having the necessary funds readily available can facilitate a smoother opening experience.
Once the application is completed and submitted, First Citizens Bank will typically review the information and may reach out for any additional details necessary to finalize the account setup. For more information on specific requirements and any updates to the process, individuals should refer to the official website....
What are the different types of accounts offered by First Citizens Bank?
First Citizens Bank offers a variety of accounts designed to meet the diverse financial needs of its clients. These accounts include
The personal checking accounts typically cater to everyday banking needs, allowing customers to manage their finances conveniently while also offering features like online banking and bill pay. Some checking accounts may come with added benefits, such as interest earnings or no monthly maintenance fees, depending on the account's specific requirements.
Savings accounts at First Citizens Bank provide a safe place for customers to set aside funds while earning interest on their deposits. This type of account is ideal for short-term savings goals, such as building an emergency fund or saving for a specific purchase.
For those looking to earn higher returns on their savings, money market accounts can be a suitable option. These accounts often offer competitive interest rates and may come with limited check-writing privileges, making them a flexible choice for savers who want easy access to their money.
Finally, First Citizens Bank also offers certificates of deposit, or CDs, which allow customers to invest their funds for a fixed term at a predetermined interest rate. This can be a good choice for individuals who do not need immediate access to their money and are looking for a secure way to grow their savings over time.
For current and detailed information regarding the specific features, requirements, and interest rates associated with each account type, it is advisable to visit the official First Citizens Bank website....
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Account Opening
How do I open a new account?
To open a new account with First Citizens Bank, prospective customers typically need to follow a straightforward process. First, it
After selecting the desired account type, individuals can usually begin the application process online. This process often requires providing some personal information, which may include your name, address, contact details, Social Security number, and employment information. It is also common to need valid identification, such as a driver’s license or passport.
In many cases, applicants can fund their new account during the application process, so having the necessary funds readily available can facilitate a smoother opening experience.
Once the application is completed and submitted, First Citizens Bank will typically review the information and may reach out for any additional details necessary to finalize the account setup. For more information on specific requirements and any updates to the process, individuals should refer to the official website....
What are the different types of accounts offered by First Citizens Bank?
First Citizens Bank offers a variety of accounts designed to meet the diverse financial needs of its clients. These accounts include
The personal checking accounts typically cater to everyday banking needs, allowing customers to manage their finances conveniently while also offering features like online banking and bill pay. Some checking accounts may come with added benefits, such as interest earnings or no monthly maintenance fees, depending on the account's specific requirements.
Savings accounts at First Citizens Bank provide a safe place for customers to set aside funds while earning interest on their deposits. This type of account is ideal for short-term savings goals, such as building an emergency fund or saving for a specific purchase.
For those looking to earn higher returns on their savings, money market accounts can be a suitable option. These accounts often offer competitive interest rates and may come with limited check-writing privileges, making them a flexible choice for savers who want easy access to their money.
Finally, First Citizens Bank also offers certificates of deposit, or CDs, which allow customers to invest their funds for a fixed term at a predetermined interest rate. This can be a good choice for individuals who do not need immediate access to their money and are looking for a secure way to grow their savings over time.
For current and detailed information regarding the specific features, requirements, and interest rates associated with each account type, it is advisable to visit the official First Citizens Bank website....
Online Banking
How can I view my account statements online?
To view account statements online with First Citizens Bank, customers typically need to log in to the online banking platform. Once
It is advisable for customers to ensure that they have registered for online banking services, as this is a necessary step to gain access to account information. Furthermore, First Citizens Bank likely maintains a commitment to security, so it is essential to follow recommended practices for password protection and account security. For additional assistance or more detailed guidance, it may be beneficial to consult the current web page for First Citizens Bank, where information about online services and support is available....
What is your policy for mobile check deposits?
First Citizens Bank has established a set of guidelines for mobile check deposits that customers can follow to ensure a smooth transaction
There are usually certain limits on the amount that can be deposited via mobile check deposit, which may vary based on the customer's account type and history. The bank also may have specific cut-off times for same-day deposits. After a successful deposit, customers typically receive a confirmation notification, and the checks are usually subject to standard hold times, ensuring funds are available after the check has cleared.
First Citizens Bank encourages its customers to refer to its official website for the most current policies and guidelines regarding mobile check deposits. This will provide the latest information that may affect the deposit process and any updates to the service....
Card Services
How do I report a lost or stolen debit card?
If you have lost your debit card or believe it has been stolen, it is important to act quickly to protect your account. First Citizens
Upon reporting, the bank will block your current debit card to prevent any unauthorized transactions and may assist you in ordering a replacement card. It is also wise to review your recent account statements for any suspicious activity and report any unauthorized transactions to the bank. For the most accurate and detailed information about the reporting process and available options, visiting the official First Citizens Bank website may provide current contact information and guidance. Taking prompt action will help ensure the security of your financial information....
What options do you provide for account overdrafts?
First Citizens Bank offers several options for account overdrafts to assist customers who may find themselves temporarily short on
Another option is the Overdraft Privilege feature, which allows account holders to overdraw their checking account up to a predetermined limit. This can be beneficial in emergency situations, and it does provide a level of flexibility. However, it is essential for customers to be aware that fees may apply when using this service, and they should aim to maintain their accounts in good standing to take full advantage of it.
Lastly, First Citizens also provides a service called Mobile Banking Alerts, which can help customers monitor their account balances in real time. This service enables individuals to keep track of their finances and make informed decisions before any overdrafts occur. For additional details or specific inquiries about these options, it may be helpful to look for more information on the official First Citizens Bank website....
Fees and Transactions
What are the fees for using an ATM?
First Citizens Bank typically does not charge fees for using their own ATMs for customers. However, if a customer uses an ATM that
It is advisable for customers to check their account agreement for the most accurate details regarding any potential fees. For current information, including specifics about ATM fees, customers may find it helpful to visit the official First Citizens Bank website, where they can explore resources and contact information for any further inquiries....
What are your banking hours?
First Citizens Bank typically has varied banking hours based on the specific branch location. Most branches generally open around 9...
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