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First Citizens Bank (NC)

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.20%2-year CD24 Month CD
0.10%1-year CD12 Month CD
0.25%3-year CD36 Month CD

Overview / Commentary
888-323-4732
239 Fayetteville Street
Raleigh, NC 27601

First Citizens Bank (NC) is headquartered in Raleigh and is the 3rd largest bank in the state of North Carolina. It is also the 52nd largest bank in the nation. It was established in 1898 and as of December of 2016, it had grown to 6,115 employees at 553 locations. First Citizens Bank (NC) has an A health rating.

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The Best Kept Secret in Banking

This bank is insanely great for business banking. I own a business and it is the coolest thing in the world to have an actual banker that has been with a bank for more than 10 years. It's cool because most of the employees have been with the bank for 10+ years. They all give you their cell phone numbers so you never have to call 1800 Banker Bob...instead, it is literally a direct contact to the person that opens your accounts. Any question you have with a deposit or a merchant terminal, they handle it all. They don't have any fees for their accounts or anything as long as you use online statements, but let's be honest, who doesn't use online banking anymore? If you don't you should for your own financial security, but at any rate, that bank is the best ever!!

Life as a First Citizen

Posted by: guy14 | Aug 8, 2014

As I recently moved to a new area I was in search of a new lcal bank. My parents were already members with First Citizens and so it was natural for me to join as well. I met with a representative and had my checkings account set up quickly. Beyond that not much was different then other institutions. However, two thinkgs stick out in my mind. I needed a new debit card, as my old one was no longer readable, and it was sent to me quickly. Also, the banks new app allows depositing a check by simply taking a picture of it with my phone...very convenient.

Very Up Set

I have been with first citizens bank fot almost 10 to 12 years everything seemed ok I had my teenage son open a bank account their since his little after school grocery store job did direct deposit.
We were not having any issues everything went ok . Untill my now 18 year old son is gping into the air force now rember he already has an account at first citizens bank he never been over drawn .
The teller tells us she never seen this type of paper work and calls for a manger she looks at me says she does not know what it is or how to fill it out turns her back on me walks away. I should have left that day never returned this is government paper work for direct deposit and a manger never seen it She Just did not want to be bothered with it. I went back to the air force they laughed said First citizens is know for nor wanting military they gave me a name of bank that was wounderful filled out all paper work faxes it back to me . Like I said I should have left that day .
Everything resume to normal no issues no problems untill they decide to install a new banking app that was 7 fays ago I still can not acess my acount with the app or phone banking . I went into the branch on Monday was treated with less than nice behavior. Today I called bank the lady was nice helpful ,but I can still not acess my accounts online or with phone banking .
I am in customer service I would be fired for picking up the phone and not saying anything just hanging it up that happened 2 third time I get its message due to long hold times you waite will be three hundred and 86 mins really .
I am unsure what first citizens bank is going to do they have lost.my bussiness not to mention over the last month the drive threw lady been rude telling me I can only make one transaction when I have 2 accounts with them and want cash back .
Again I am in customer service I get glowing reviews this not how you treat a customer over YOUR MISTAKE .
I have made arrangements to move to anouther bank . I have been sick very sick this week also had a very sick animal I do not need crapp from my bank when I have so much else going on in my life .to mess with a person money or their acess to it .my husband said I never understood why you banked their to start with .
Donna Dovico Wilson , N.C

No To First Citizens

Horrible bank... They dont care about their clients or their employees. Employees are just another number... I worked there one month and ran as hard as i could. Do not trust this bank with your banking needs. I signed a privacy policy so i cant go into details. But trust me! Your financials are NOT safe with this company

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Health

Health Grade Components

Overall
FDIC Certificate #11063
Year Established1898
Employees6115
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD7.69%
Annual Interest Income$986.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$32.81B$31.37B
LoansQ4 2016vs Q4 2015$21.59B$20.10B
DepositsQ4 2016vs Q4 2015$28.18B$26.97B
Equity CapitalQ4 2016vs Q4 2015$2.93B$2.87B
Loan Loss AllowanceQ4 2016vs Q4 2015$218.8MM$206.2MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$141.8MM$174.0MM
Real Estate OwnedQ4 2016vs Q4 2015$60.0MM$57.7MM
Rates
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First Citizens Bank (NC) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Money Market Savings

First Citizens Bank (NC) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$500-36 Month CD
0.20%$500-24 Month CD
0.10%$500-12 Month CD
Locations

First Citizens Bank (NC) has 533 locations. Click to view all First Citizens Bank (NC) locations.