First Citizens Bank Review
First Citizens Bank is a family‑controlled institution offering retail and commercial banking, wealth management, and investment services across 500+ branches nationwide.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | Value Checking | $12.00/month |
Savings: | Premium Savings | 25.00% APY |
Credit: | Citizens Cashback | 1.5% cash back |
Mortgage: | 30-Year Fixed | 4.13% interest rate |
Fee Rating
3.4/5
Lower is better
FDIC Insured
Yes
Certificate: 60717
Digital Banking
4.1/5
Online & Mobile Experience
Branch Network
550
Physical Locations
Key Features
- Wide branch network; Personalized service; Robust wealth management.
Bank Information
Routing Number
053101121
SWIFT Code
FCFSUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-888-481-3663
Mon–Sat 7am–8pm ET
Headquarters
Raleigh, NC, USA
Years in Business
127 years (Est. 1898)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars; letter & number
Two-Factor Authentication
SMS, Phone Call
Forgot Password
Reset PasswordSecurity Features
Biometric; SSL
Login Instructions
Select sign‑in → enter credentials → complete 2FA
Login Help
Call customer service: 1-888-481-3663
Hours: Mon–Sat 7am–8pm ET
Products & Services
Accounts & Products
Checking
Value Checking
Monthly Fee
$12
Minimum Balance
$1000
Card Type
$Debit
Minimum Deposit
$50
Overdraft Fee
$34
ATM Fee
$3
Savings
Premium Savings
APY
$25.00%
Annual Earnings
$25.00
Compounds
$Daily
Minimum Balance
$500
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
Citizens Cashback
Annual Fee
$0
Cash Back
$1.5%
APR Range
$13.99% - 23.99%
Network
$Visa
Mortgage
30-Year Fixed
Interest Rate
$4.125%
APR
$4.25%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$60,000
Max Loan Amount
$800,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with First Citizens Bank?
Visit their website to explore account options and start your application