Investment Accounts

Securing your future starts today

Saving for Retirement

Find ways to save for tomorrow no matter what you're doing today.

  • Open an individual retirement account on your own terms
  • Create a retirement plan for your small business
  • Save for retirement if you're self-employed

Self-Directed Investing

Use our intuitive platform offered by First Citizens Investor Services to direct your own investments whenever it suits your schedule.

  • Commission-free investing on most US-based stocks and ETFsD
  • Our digital-first investing platform for desktop and mobile
  • Open your account in a few easy steps

Saving for Education

Open an investment account to start saving for college the tax-advantaged way.

  • Earn tax-free growth while you save for the future
  • Use withdrawals for qualifying educational expenses and pay no taxes on withdrawals
  • Choose from our education savings account options

Not sure where to start? Let us help you down the path to successful retirement.


A few financial insights for your life

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Commission-free trading applies to stocks and ETFs traded online for self-directed individual cash or margin brokerage accounts of US-listed securities on major US exchanges within Self-Directed Investing by First Citizens Investor Services. Commission-free trading doesn't apply to transaction-fee, front-end load mutual funds or options trades. Some trades aren't eligible to transact online and must be conducted through a Call Center Assisted trader, and service fees will apply ($40 minimum). Keep in mind that other non-commission fees will apply to your brokerage account. Please see the Self-Directed Investing by First Citizens Investor Services Commission and Fee Schedule (PDF) to learn more about these applicable fees.

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results.

First Citizens Wealth Management is a registered trademark of First Citizens BancShares, Inc. First Citizens Wealth Management products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, Equal Housing Lender; First Citizens Investor Services, Inc., Member FINRA and SIPC, an SEC-registered broker-dealer and investment advisor; and First Citizens Asset Management, Inc., an SEC-registered investment advisor.

Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.

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

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

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