First Citizens Bank (NC)
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.20% | 2-year CD | 24 Month CD |
| 0.10% | 1-year CD | 12 Month CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.25% | 3-year CD | 36 Month CD 1.55% - Ally Bank High Yield 3 Year CD |
First Citizens Bank (NC) is headquartered in Raleigh and is the 3rd largest bank in the state of North Carolina. It is also the 53rd largest bank in the nation. It was established in 1898 and as of June of 2016, it had grown to 6,097 employees at 553 locations. First Citizens Bank (NC) has a B+ health rating.
Related Posts
5/1/10 - Update on First Citizens Bank's 2% 11-Month CD Specials in FL & CA
3/14/10 - 2.00% 11-Month CD at First Citizens Bank in SoCal - Local Only
12/16/08 - 3.50% Reward Checking Account at Venture Bank Direct
12/9/08 - 4.00% 6-Month CD at Temecula Valley Bank in California
9/8/08 - Venture Bank Direct Raises Online Savings Account Yield to 3.75%
8/29/08 - New Online Savings Account at Venture Bank Direct
7/11/08 - 4.10% 12-Month CD at a California Bank (Temecula Valley)
1/2/08 - 5.00% 12-Month / 5.00% 6-Month CD at a California Bank (Temecula Valley).
1/2/08 - 5.30% Money Market Promotion at a Florida Bank (Sun American)
11/26/06 - 5.75% 12-Month / 5.75% 6-Month CD at a California Bank (Temecula Valley)
10/11/06 - 5.88% 12-Month CD at a South Florida Bank (Sun American)
6/11/06 - 5.50% 12-Month / 5.30% 6-Month CD at a California Bank
Life as a First Citizen
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.
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
Sandrahyder
I live in SC and I have been a customer of the SC First Citizen's for years. With the SC First Citizen's I received amazing customer service, I was made to feel like as a customer I mattered. Recently the SC First Citizen's merged with the NC First Citizens. Since the merger I have been charged fees for NSF checks when the money was in the available balance, reason being NC First Citizen's policy is to charge fees if the money is not posted and the electronic deposits are not posted for at least 24 hours. So when I asked for these fees to be reversed, I was advised by the branch and customer service that this is not their job. They no longer do "those little customer service things". Fees are charged when using the ATM for mini statements without disclosure the fees will be charged. Messages on the website go over 28 days without a response. My bank which I loved and recommended to everyone has turned into a nightmare and I would not recommend to anyone, I have received horrible customer service and fees for no apparent reason. Stay away from this bank
Will Not Deal With Them Again
Opened an account with them online yesterday, got everything setup for use today after they sent me their approval e-mails and then I was prevented from accessing my online account.
I called them and they said they were closing my account because of something found with Chexsystems. I just got my Chexsystem report last week and there is nothing negative in it so it has to be because of the inquiries made by other banks/ credit unions I've opened this year. My credit is excellent with all the major credit reporting agencies.
Since they also ran a hard credit pull to sign up with them, that will further count against me somewhere down the line. Not worth it. Will never deal with these clowns again.
Changing Bank Fee
3 months ago I opened a basic checking and was told that it was free checking if I had direct deposit. This was true until I reduced my direct deposit amount with them and all of a sudden I started getting hit with an 8 dollar a month service fee. There are too many banks out there that offer free checking without a direct deposit. I figured I would give this bank a try since they brag about customer service and the person to person experience but I quickly found out that you have to have the makings of a rockerfella or a Hefner to get that treatment. Calling for information about your account to their national office in Raleigh NC can cost you after your first call. Try 5 bucks a call. I've switch to a credit union and it is truly free checking with no hidden fees for statements and or information inquired about my account. If you want a good ole' boy bank then this old school bank is for you.
Lowered Interest Rate Prior To Guaranteed Term
First Citizens Bank
I opened a money market account in June with a guaranteed rate of 1% for the first 6 months. I noticed in the 4th month’s statement that the interest was not what it should be and the rate was noted as .2 %. I called the bank representative that opened the account for me and was told that he would get it fixed. After several phone calls, a half dozen emails and 5 weeks, it is still not corrected. The representative says he need to get an "area executive’s" approval (who seems to be always on vacation or in meetings) and the email response I get is to call the local branch. No one is taking responsibility to fix this problem. At this point they owe me a lot of interest. I have just opened an online account and will transfer the funds.
Disappearing Money Sudden Negative Balance
What happened today in North Carolina with my account balance?
Sudden loss to a large negative number and unable to withdraw money just put into the account last week.
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 11063 |
| Year Established | 1898 |
| Employees | 6097 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.79% |
| Return on Equity - YTD | 8.58% |
| Annual Interest Income | $486.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $32.05B$30.80B |
| Loans | Q2 2016vs Q2 2015 | $20.62B$19.40B |
| Deposits | Q2 2016vs Q2 2015 | $27.28B$26.57B |
| Equity Capital | Q2 2016vs Q2 2015 | $2.97B$2.79B |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $208.0MM$208.3MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $166.2MM$160.5MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $65.8MM$59.3MM |
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) Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Money Market Savings |
First Citizens Bank (NC) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | $500 | - | 36 Month CD | |
| 0.20% | $500 | - | 24 Month CD | |
| 0.10% | $500 | - | 12 Month CD |
First Citizens Bank (NC) has 543 locations. Click to view all First Citizens Bank (NC) locations.