https://firstcitizens.com

Personal Banking, Credit Cards, Loans | First Citizens BankFirst Citizens provides a full range of banking products and services to meet your individual or business financial needs. Learn more about our products and services such as checking, savings, credit cards, mortgages and investments.Personal Banking, Credit Cards, Loans | First Citizens Bank As communities affected by Hurricane Helene begin recovery efforts, we're committed to supporting you. Learn more about First Citizens' response. Check the status of your nearest branch or ATM to stay informed about temporary closures or adjusted hours. 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View PDF View the September Employment Update PDF , Opens in a new tab Support Search Log into our online services Log In Personal Your trusted financial partner for personal, business and wealth management needs Talk To a Banker , Opens in a new tab Find a Branch , Opens in a new tab Open an account Open a checking account Mortgages Start your mortgage journey Try Self-Directed Investing Try Self-Directed Investing Savings Discover ways to save Loans Apply for a loan Choose a credit card Choose a credit card Wealth INTEL: Monthly tax, election and legislation updates Explore INTEL Explore the latest Wealth INTEL article Home Improvement Loans Fast access to funds for your remodel project A quick and easy application process to remodel without using your home as collateral. Learn More Learn more about home improvement loans Credit Cards Now it's even easier to earn more More cash back. More rewards. More travel experiences. With our newly improved credit cards, the choice is yours. Learn More Learn more about our credit cards Digital Banking Bank from anywhere with your mobile devices Track your spending habits Seamlessly move your money Set alerts for transactions Learn More Learn more about digital banking Digital Banking Bank from anywhere with your mobile devices Track your spending habits Digital Banking Bank from anywhere with your mobile devices Seamlessly move your money Digital Banking Bank from anywhere with your mobile devices Set alerts for transactions Learn More Learn more about digital banking Bank on Customer Service Open an Account Today Open an Account See all we have to offer. Find a Branch Meet our associates. , Opens in a new tab Call Us Reach out and we'll help. Our Forever First Promise Forever First® means the name on our door will stay the same for years to come. Forever Stable Taking care of customers—year in, year out—isn't just our track record. It's our promise. Forever Family We're one of America's largest family-controlled banks, led for three generations by members of one family. About First Citizens Learn more about First Citizens Insights A few financial insights for your life Search Insights Home Comparing Loans for Home Improvement Learn the pros and cons of six popular types of loans for home improvement projects. When it comes to financing home renovations, you have many options to choose from—each with its own pros and cons. Home How Do Home Construction Loans Work? Home construction loans are quite different from standard mortgages. Here's how. Unlike a mortgage, a construction loan acts more like a short-term line of credit. Retirement Ages and Stages of Saving for Retirement Your approach to saving for retirement may shift over time as your life changes. Starting early on retirement savings can help you form financial discipline that will last throughout your working days. Disclosures This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete. Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company. This EquityLine account has a promotional APR of 5.99% fixed for 12 months when LTV is 80% or below. A promotional APR of 6.49% fixed for 12 months is applied when LTV is greater than 80%. No action is needed by the customer to activate a promotional rate and all balances on the account will receive this rate for the promotional period. After 12 months, the account will turn to the variable rate specified in your EquityLine agreement and may change at any time. APR is based on the highest Prime Rate published in the Money Rates table of The Wall Street Journal on the last business day of the previous calendar month. The current Prime Rate, as of October 1, 2024, is 8.00%. The APR is variable and may change at any time. Maximum APR is 18.00%. Minimum APR is 3.99%. EquityLine will have a 10-year draw period at the variable rate specified in your loan agreement followed by a 15-year repayment period with a fixed rate determined prior to the end-of-draw term as specified in your loan agreement. Closing costs are generally between $150 and $1,500 but will vary depending on loan amount and on the state in which the property is located. First Citizens Bank may choose to advance certain closing costs on your behalf. 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 Footer Contact Contact Call Us Email Us Careers Support Support Locate Branch or ATM  Accessibility Routing Number Privacy & Security Your Privacy Choices icon: sys-chevron-thickicon: ccpa Company Company About Us Investor Relations Newsroom Community Support Terms of Use Banking Banking Personal Small Business Commercial Wealth , Opens in a new tab , Opens in a new tab , Opens in a new tab , Opens in a new tab © 2024  First-Citizens Bank & Trust Company. All rights reserved. First Citizens Bank is a registered trademark of First Citizens BancShares, Inc. Back to Top Search Log In Welcome Back First Citizens Digital Banking Commercial Advantage Wealth Other Services Login Type ID* Password* Enroll Now Enroll in digital banking now Forgot ID Select if you forgot your ID / Password? Select if you forgot your password Log In Select to log in to digital banking First Time Log In Select if this is your first time logging in to digital banking Log In Select to log in to Commercial Advantage Log In Login to Wealth Log In Other Services Back to login First Citizens Rewards® Online Brokerage Portfolio Online Retirement Plan Access Financial Planning Tool Stellar Technology - Fund First Citizens Receivables Lockbox - Online Treasury Solutions Pay HOA Fees Commercial Online Banking Remote Deposit Capture Integrated Payables eReceivables Payment Lockbox Portal ChecXchange FXEnvoy Equipment Finance My Insurance Center Worldpay IQ American Express Supplies Purchasing Card Electronic Bill Presentment & Payment Profile Manager Commercial Image Archive Email Email Us Please select the option that best matches your needs. Account Questions Send a secure message from Digital Banking , Opens in a new tab Other Questions General customer service assistance Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly. Get a credit card recommendation What are you looking for most in a credit card? Flexible rewards Cash back A low interest rate No annual fee Are you interested in earning rewards that can be redeemed for travel? Yes No In addition to cash back, are you also interested in earning points that could be used towards travel? Yes No Are you also interested in earning rewards? Yes No Which type of rewards do you prefer? Merchandise, gift cards and cash back Cash back only Based on your answers, here's what we recommend Recommended Travel Rewards Card Earn more points on travel and get exclusive travel rewards. Earn rewards faster Use rewards for exclusive travel experiences Get an introductory balance transfer offer Learn More Learn more about Travel Rewards credit cards Recommended Rewards Card Earn more points on special spending categories. Earn rewards Pay no annual fee Get an introductory balance transfer offer Learn More Learn more about rewards cards Recommended Cash Rewards Card Transform everyday purchases into unlimited cash back. Earn cash back Use rewards as statement credits Get an introductory balance transfer offer Learn More Learn more about Cash Rewards credit cards Recommended Smart Option Card Get our lowest available rate. Consolidate higher interest rate balances Pay no annual fee Get an introductory balance transfer offer Learn More Learn more about the smart option card Previous Next Still not sure? Compare Accounts Need to make a change? Start Over Get a checking account recommendation What matters most to you in a checking account? Enhanced benefits Earning interest Preferred rates on CDs and Equity Lines Low to no fees What monthly balance do you anticipate maintaining across all of your First Citizens deposit accounts? Less than $5,000 $5,000 to $24,999 $25,000 or more What's the combined amount of your monthly direct deposits? No direct deposits Less than $4,000 $4,000 or more Based on your answers, here's what we recommend Recommended Free Checking Make life easy with our simplest personal checking account. Minimum opening deposit of $50 No minimum balance Choose your overdraft protection level Open Now Open a Free checking account now Learn More Learn more about free checking accounts Recommended Premier Checking Get the upgrade with the personal checking account that pays you interest. Minimum opening deposit of $100 Earn interest on your balance Choose your overdraft protection level Open Now Open a Premier checking account now Learn More Learn more about a Premier checking account Recommended Prestige Checking Sign up for the VIP experience—an interest-bearing personal checking account with the best features. Minimum opening deposit of $100 Earn interest on your balance Get VIP perks with other First Citizens products Open Now Open a Prestige checking account now Learn More Learn more about a Prestige checking account Previous Next Still not sure? Compare Accounts Need to make a change? Start Over Open a Personal Account Do you have a First Citizens checking account? Yes I want to open another account. No I want to open a checking account. Looking to open a small business account? Get startedenen1729896901https://firstcitizens.com

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