First Citizens Bank (NC)


Overview / Commentary
919-716-7050
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 35th largest bank in the nation. It was established in 1898 and as of June of 2022, it had grown to 10,475 employees at 586 locations. First Citizens Bank (NC) has an A health rating.

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: |

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 Unprofessional

Posted by: |

First they misspelled my name on the debit card. Then the reissue was never sent out. When visiting the local branch no one could help me in getting a new or temporary card. When inquiring about direct deposit forms, I was told they don’t give them out in branch even though on the website it says they do.

Total Harassment

Not only were my accounts set up wrong, received mistreatment from people in the Westwood branch numerous times but now they have opted to close my accounts after I have reported them multiple times for “unsatisfactory management” which is a lie.

It is sad that these banks act in this way and the people overseeing them do nothing at all to resolve these issues.

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Health

Health Grade Components

Overall
FDIC Certificate #11063
Year Established1898
Employees10475
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD12.06%
Annual Interest Income$1.47B
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$107.5B$55.10B
LoansQ2 2022vs Q2 2021$66.96B$32.68B
DepositsQ2 2022vs Q2 2021$89.43B$48.55B
Equity CapitalQ2 2022vs Q2 2021$10.92B$4.78B
Loan Loss AllowanceQ2 2022vs Q2 2021$850.3MM$189.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$597.0MM$183.4MM
Real Estate OwnedQ2 2022vs Q2 2021$45.2MM$43.7MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Citizens Bank (NC); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Citizens Bank (NC) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$25$1mOnline Savings (Online Only) - New Money

First Citizens Bank (NC) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$500k*-Money Market Savings
OTHER TIERS: 0.05% Up to $25k | 0.07% $25k - $100k | 0.10% $100k - $500k

First Citizens Bank (NC) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%-$1mPremier Checking
0.05%-$1mPrestige Checking

First Citizens Bank (NC) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$500-Business 36 Month CD
0.20%$500-Business 24 Month CD
0.15%$500-4 Year CD
0.15%$500-5 Year CD
0.10%$5k-1+ Year Premier CD w/ Checking Special
0.10%$500-Business 12 Month CD
0.05%$500-3 Year CD
0.05%$500-2 Year CD
0.02%*$50k*-1 Year Convertible CD Special
OTHER TIERS: 0.01% $500 - $50k
0.02%$500-18 Month CD
0.01%$500-12 Month CD
0.01%$500-6 Month Automatic Saver CD Special
0.01%$500-6 Month CD
Locations

Availability



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