OneWest Bank Personal Banking Customers

Learn more about your personal banking transition

Your transition timeline

Here's a look back at the key dates for your transition.

Friday, June 10

Welcome package

We mailed a First Citizens welcome package that included all the key things you needed to know and do.

Week of June 20

New debit card

If you had a OneWest Bank debit card, we sent you a First Citizens Visa® Debit Card. We also sent you a new PIN in a separate mailing.

Friday, July 15

OneWest Bank access ended

You could start using your First Citizens Visa Debit Card beginning July 15. Your OneWest Bank debit card stopped working at this time, and access to OneWest Bank ended.

SATURDAY AND SUNDAY, JULY 16 AND 17

Conversion weekend

OneWest Bank branches closed over the weekend as we transitioned your service to First Citizens. During this time, online and mobile banking were temporarily unavailable.

Monday, July 18

Transition completed

Your accounts became First Citizens accounts. Online and mobile access became available the morning of July 18.

You can begin to use your new network of more than 550 branches in 19 states.

Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Seamlessly move your money

Set alerts for transactions

Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Digital Banking

Bank from anywhere with your mobile devices

Seamlessly move your money

Digital Banking

Bank from anywhere with your mobile devices

Set alerts for transactions

Upgrade your banking

Combine more balances, enjoy more services

  • New service enhancements and amenities
  • Waivers on monthly fees
Reach more of your goals

Need expert guidance? We've got you covered

FAQ

People often ask us

Your First Citizens welcome package, mailed June 10, 2022, provides all the details you'll need, including a description of your new accounts. To keep things simple for you, we've selected the First Citizens accounts closest to your current OneWest Bank accounts, but you can easily change these choices if you like.

Your account numbers won't change unless we notify you. You now have a new routing number, which is 122037760.

You can continue using your current checks, and any outstanding checks with your OneWest Bank account number will continue to be honored for 180 days from July 18, 2022. However, if you use deposit tickets preprinted with your OneWest Bank account number, they can't be accepted after July 18, 2022—but you'll receive a 50% discount on your first order of First Citizens checks and deposit tickets.

You can still have payments automatically deducted from your account. Be sure to provide recipients with your new account number and routing number as soon as possible after July 18, 2022.

In most cases, direct deposits and automated transfers will continue. However, there are government agencies (Social Security Administration, Department of Veterans Affairs, etc.) and companies that won't automatically make changes without obtaining your authorization.

Yes. You should have received a new First Citizens Visa® debit card in the mail the week of June 27 to replace your OneWest Bank debit card, with a new PIN arriving separately in an unmarked envelope. Your OneWest debit card stopped working at 11 am PT on Friday, July 15. Don't forget to provide your new card number and expiration date to any merchants you've authorized to debit your card for payments.

Your OneWest Bank account history didn't transfer, but starting July 18, 2022, we'll begin to retain transaction history for your new First Citizens products.

You'll receive a final OneWest Bank statement for your checking, savings or money market accounts as of July 15, 2022, and your new First Citizens statement will be issued as close to your current statement date as possible. Monthly fees, if any, won't be charged on partial statements. Checking account statements won't contain check images. First Citizens has different procedures for combining statements, duplicate statements and more—please see your welcome mailing for details.

Yes. There's no change to your current safe deposit contract.

Loans and lines of credit will continue in effect with no changes to terms and conditions.

To see all the options First Citizens provides for overdraft coverage, please visit our Overdraft Protection page.

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.

Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value.  They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands and Services Offered: First Citizens Wealth™ (FCW) is a marketing brand of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender, and SVB, a division of First-Citizens Bank & Trust Company. icon: sys-ehl

For more information about FCIS, FCAM or SVBW and its investment professionals, click the links below:

FirstCitizens.com/Wealth/Disclosures

SVB.com/Private-Bank/Disclosures/Form-ADV

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.

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.

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

NMLSR ID 503941