Payments & Transfers

Move your money on any device


Move Your Money Where You Need It

Move money between your accounts from your mobile phone, tablet or computer.

  • Transfer money from one First Citizens account to another, or to an account at another bankD
  • Make payments toward your First Citizens credit card or loan
  • Send money directly to other First Citizens customers
  • Make a single transfer or set up a recurring transfer

Pay Bills in Seconds

Make payments toward your First Citizens loans and pay utility bills or most any other bill.

  • Pay single or multiple bills at once
  • Set up recurring payments and reminders
  • See upcoming bills and payment history
  • Protect yourself from unauthorized transactions and processing delays
Send Money with Zelle

Pay Friends and Family

Send Money with Zelle® is the fast, safe and easy way to send money to friends, family and others you trust.DD

  • Send and receive money using a mobile number or email address; no account information requiredD
  • Recipients can receive payments directly in their bank accountsD

People often ask us

You can find account and routing numbers for accounts with other institutions at the bottom of your checks from that bank. When adding an external account in Digital Banking, there are instructions, including a visual of a check pointing out your routing and account number. If you don't have a check from the external account you're looking to add, contact that bank to get the information you need.

eBills are electronic versions of paper bills delivered directly to your bill pay account. You must sign up separately to receive eBills from available payees. Once enrolled in eBills, you'll receive electronic notifications when your eBills have been received and are available for payment.

The bill payment system determines which payments are processed electronically and which are processed as a check. If electronic payment isn't accepted for a specific payment, a check is cut and mailed to the address you provided. You can generally tell if the payment will be sent electronically or by check by the next available payment date.

You can pay bills from any First Citizens checking account listed on your Accounts page within Digital Banking. When you access Bill Pay for the first time, you will be asked to select a Pay From Account to begin. If you would like to add another checking account to the service, select My Account within the Bill Pay service, then select Add Account from the Pay From accounts box.

First Citizens Bill Pay is secure, convenient and free. With Bill Pay, you can pay anyone in the United States from any device on a single page. You can also:

  • Pay a single bill or multiple bills at once, in seconds
  • Set up recurring payments and reminders
  • Receive bills electronically with eBills
  • Receive protection in the event of unauthorized transactions or processing delays
  • Save time and money by not having to buy stamps and physically mail payments

Please see our Digital Banking Fee Schedule and Digital Banking Agreement.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. 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.

A transaction fee of $2.99 applies when transferring funds from your First Citizens account to an account at another financial institution.

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

Transactions typically occur in minutes when the recipient's email address or US mobile number is already enrolled with Zelle.

Must have a bank account in the US to use Zelle.

To send payment requests or split payment requests to a US mobile number, the mobile number must already be enrolled with Zelle.

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.