Investment Accounts

Securing your future starts today

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
Learn more about self-directed investing

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
Learn more about saving for education

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
Learn more about saving for retirement

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

Insights
A few financial insights for your life

Saving

Be Aware: Health Savings Account Rules Change Over Time

As you reach certain milestones, the rules for tapping the tax advantages of an HSA may change.
These tax-sheltered accounts are growing in popularity, and it's important to understand all the health savings account rules because they shift as you age or reach certain lifestyle milestones.
Retirement

Key Ways to Think About Financial Planning

Here are some fundamental considerations when making a financial plan.
A financial plan helps you stay adaptable and agile while remaining focused on what's most important.
Investing

How to Choose IRA Investments

Learn how to choose IRA investments that align with your personal risk tolerance and support your retirement savings goals.
By understanding the various IRA investment options available and the importance of diversification, you can build a portfolio that supports your long-term retirement savings objectives.

Commission-free trading applies to US listed stocks and ETFs only. Some trades are not eligible for online trading and must be conducted through a Call Center Assisted trader. Service fees will apply ($40 minimum). Please see the Self-Directed Investing by First Citizens Investor Services Commission and Fee Schedule (PDF) for more information regarding non-commission fees that apply to your self-directed online brokerage account.

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.

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

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