First Citizens Bank

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First Citizens Bank offers products across the following categories: Services, Utilities & Bills, Legal Services, Health Services. Browse their full range on their official website or explore exclusive offers for First Citizens Bank products on Herm.io.

You can reach First Citizens Bank through their official website at https://firstcitizens.com for support options.

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Yes, First Citizens Bank is a legitimate financial institution founded in 1898 and headquartered in Raleigh, North Carolina. It is FDIC-insured, meaning deposits are protected up to $250,000 per depositor. The bank operates over 500 branches across the United States and acquired Silicon Valley Bank in 2023, making it one of the largest banks in the country.

First Citizens Bank is smaller than Bank of America or Wells Fargo but offers similar personal and business banking services. It typically has fewer branches and ATMs nationwide compared to these mega-banks. First Citizens may offer more personalized service and competitive rates on certain products, but lacks the extensive branch network and international presence of Bank of America or Wells Fargo.

First Citizens Bank is well-suited for small business banking, offering business checking and savings accounts, merchant services, ACH services, and specialized expertise in sectors like healthcare, nonprofits, and skilled trades. The bank provides treasury management and cash flow solutions tailored to small businesses. However, availability may be limited depending on your state, as they don't operate branches nationwide.

First Citizens Bank typically has higher fees than online-only banks like Ally or Marcus, which often have no monthly maintenance fees. First Citizens offers traditional branch banking with physical locations, which comes with overhead costs reflected in account fees and potentially lower interest rates on savings. Online banks usually offer higher APYs on savings accounts but lack in-person service and physical branch access.

First Citizens Bank offers digital banking with mobile apps for iOS and Android, online bill pay, and mobile check deposit. Customer service reviews are mixed, with some praising local branch relationships and others noting inconsistent experiences. The bank has invested in digital capabilities, especially after acquiring Silicon Valley Bank, but may not have the advanced fintech features of newer online-only banks.

First Citizens Bank's savings account and CD rates are generally competitive with traditional brick-and-mortar banks but lower than high-yield online savings accounts. Rates vary by account type, balance tier, and location, so it's best to check current rates directly with the bank or on their website.

Yes, First Citizens Bank offers various mortgage products including conventional loans, FHA, VA, jumbo loans, and home equity lines of credit. Requirements typically include credit score minimums, proof of income, debt-to-income ratio evaluation, and down payment, with specifics depending on the loan type.

First Citizens Bank operates over 500 branches primarily across 30 states, with the strongest presence in the Southeast, Southwest, and West Coast. The bank also provides access to a national ATM network, though branch availability varies significantly by region.

First Citizens Bank offers comprehensive wealth management services including investment advisory, retirement planning, estate planning, and trust services suitable for high-net-worth individuals and families. They provide personalized financial planning and access to diversified investment options, though they may not have the same brand recognition as dedicated wealth management firms like Fidelity or Vanguard.

First Citizens Bank acquired the assets and deposits of Silicon Valley Bank in 2023 after SVB's collapse, significantly expanding First Citizens' size and capabilities in serving technology, life sciences, and venture capital clients. The acquisition made First Citizens one of the top 20 largest banks in the United States.