First Citizens Digital Banking

Bank with us wherever you are

Convenient, secure banking on your schedule

Our online and mobile banking options make it easy to bank on your terms. Manage your accounts, track spending, create budgets and transfer money between family and friends. All the features you expect—with a bank you can trust.

Already have an account? Log In

Enroll in Digital Banking now , Opens in a new tab
Or Open a First Citizens Account
Image depicting the Digital Banking dashboard on desktop and mobile devices

How to get started

Ready to open a Digital Banking account? Follow these steps to enroll as a new user.

Step 1
Enroll in Digital Banking

On the login page, select Enroll Now and provide the required information. You must be a current First Citizens Bank customer to enroll.

Step 2
Create security credentials

Choose a Secure Access Code, contact method for account verification and password to use when logging in to your account.

Step 3
Agree to account disclosures

Review and agree to the Digital Banking Consent to Receive Electronic Disclosures and Digital Banking Agreement.

Step 4
Explore Digital Banking

Once you've successfully enrolled in First Citizens Digital Banking, download our mobile app to bank from anywhere.

Account Management
All your accounts. One place.

An image depicting the spending analysis screen on a desktop
  • Track spending and activity across all your accounts—even ones with other banks
  • Create categories and subcategories to follow trends and manage your budget
  • Keep tabs on your debt—including credit cards and student loans—and develop payoff scenarios
  • Monitor your FICO credit score for free and see the main factors impacting your score

Payments & Transfers
Quick and secure money movement

Transfer money

  • Transfer money between First Citizens accounts—and move money to external accounts
  • Send money with Zelle® to family, friends and people you trust—no matter where they bank in the US

Learn More About Zelle®

Make payments on your terms

  • Schedule one-time or recurring payments for your bills and First Citizens loans and credit cards
  • Set up bill reminders and view payment history
An image depicting the payments and transfers screen on a mobile phone

Mobile Banking
Bring banking to you

  • Take advantage of Digital Banking features on your mobile phone
  • Log in securely with FaceID, TouchID or your device passcode
  • Deposit checks with your device camera and check on their status
  • Go cashless with Google, Samsung and Apple digital wallets
Visit Google Play to download our app , Opens in a new tab
Visit the App Store to download our app , Opens in a new tab
Three mobile phones side by side showing images of a credit card in Google Pay, Apple Pay and Samsung Pay

Security & Fraud Protection
Prioritize your digital security

Smartwatch displaying First Citizens card activity alert

Security alerts

Stay on top of all account activity with alerts to your phone, watch or email anytime your cards or account number are used—wherever you are.

Fraud prevention

With Digital Banking, you can lock your card, change your debit PIN and get alerts on possible fraudulent activity to stay one step ahead of identity theft.

Privacy

Protecting your personal information is our priority. That's why we implement top-of-the-line security to protect you and your family's data and privacy.

Learn More About Our Privacy and Security

Get details on our digital banking fees

View Fee Schedule

Read our digital banking agreement

View a PDF of the Digital Banking Agreement , Opens in a new tab

Account openings and credit are subject to bank approval.

Please see our Digital Banking Fee Schedule and Digital Banking Agreement (PDF).

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.

iPhone, Touch ID and Face ID are a registered trademark of Apple, Inc.  Apple is a trademark of Apple, Inc., registered in the US and other countries. App Store is a service mark of Apple, Inc.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

Bank deposit products are offered by First-Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941