Privacy and Security

We take protecting your personal information seriously

Consumer privacy

We know protecting your personal information is important to you. That means it's important to us, too. That's why we implement top-of-the-line security for your accounts and provide you with useful information to help you protect yourself and your finances.

View First Citizens Bank Consumer Privacy Notice

California residents

The CCPA provides California consumers with specific access, correction, data portability and deletion rights. View the CCPA Privacy Notice below for details about how to submit a verifiable consumer request to exercise your rights.

View CCPA Privacy Notice

Security
Here's how we protect you when you bank online

Unique identifiers

You need a valid access code to access certain account and financial information.

Encryption

We use Transport Layer Security technology to ensure data is protected in transit.

Security guarantee

Be confident knowing that you're covered against unauthorized transactions on your accounts.

Timeout

Your session in our online application will automatically end after a period of inactivity.

Fraud alert

Fraudsters are impersonating First Citizens and targeting customers through texts and phone calls. These criminals are attempting to steal your credentials and personal information to perform fraudulent transactions by accessing your accounts.

First Citizens will never text, email or call you to request security codes or other sensitive personal information. Phone numbers on caller IDs can be spoofed to display as First Citizens.

Please stay vigilant if you receive text messages or phone calls that appear to be from First Citizens requesting information about your account activity. It’s always safer to report a suspicious text as potential phishing instead of selecting a malicious link.

Here are some tips for remaining vigilant:

  • Never open suspicious links in text or emails.
  • Always navigate to FirstCitizens.com to access the banking login page or locate the customer service phone number.
  • While First Citizens does send texts to verify debit and credit card transactions, the link won't send you to the First Citizens login page. We'll never follow up a debit or credit card text with a phone call.
  • Account numbers, user IDs, passwords and other sensitive information should never be shared over the phone with an unsolicited caller or through a link in an unsolicited text.

If you receive an unsolicited call from someone claiming to be from First Citizens and asking for your account or other sensitive information, please end the call and call us.

And if something looks suspicious or you're just not sure if a communication is legitimate, please contact us at 1-888-FC DIRECT (888-323-4732) or visit your local branch. Commercial Advantage customers can call 866-322-4249.

Contact Us
Get your questions answered

Privacy & Security Insights
Protect your data with these helpful security tips

Security

Avoid Password Sharing

Protect your sensitive information.
Password sharing can leave your private data vulnerable.
Security

The Importance of Watching Out For Scams

Can you recognize impostor scams and scam callers?
Learn to recognize the signs of a scam call so you can protect yourself and your money from a social engineering attack.
Security

Protect Yourself From Social Engineering Attacks

What are social engineering attacks and how can you protect yourself? Watch this video to keep your sensitive data and finances safe.
You're your best defense against social engineering!
Explore more security themed insights content

Privacy & Security FAQ
People often ask us

Absolutely. Your deposits at First Citizens are protected up to at least $250,000 by the FDIC.

As added assurance, we have over a 120-year banking history. As one of America's largest family-controlled banks, we're known for our stability, financial discipline and long-term focus. Our time-tested strategies ensure that we'll be here for you now and in the future.

We take protecting your personal information seriously, and use state-of-the-art security technology to safeguard your account information. There are also some simple steps you can take to increase the security of your personal information.

The first thing you can do is to use strong passwords and user IDs. Hackers always go for the most obvious passwords and login IDs. So think of a phrase, a song lyric or quote and throw in some capital letters, numbers and symbols. And never use personal information such as family names, birthdates, phone numbers, etc.

It's also very important that you don't give your personal information to anyone who contacts you by phone, web, email or text message. Personal information includes your Social Security number, account numbers or any other information that can be used to personally identify you.

To report suspicious activity, contact us immediately at 866-567-7760.

You can also place a fraud alert on your credit file to prevent fraudsters from opening new accounts or making changes to your existing accounts. You only need to notify one credit bureau—the one you choose will notify the other credit bureaus.

Equifax: 800-525-6285

TransUnion: 833-395-6938

Experian: 888-397-3742

If you receive a suspicious email or text message, don't respond, click on links or open attachments. If we reach out to you by phone, we won't ask for confidential information—such as your card PIN, access code or online banking password.

Be on the lookout for phone calls, emails or texts from even legitimate sounding companies that either solicit your assistance or offer to help. Never give out your Social Security number, bank account numbers or other personal information to companies or individuals unless you initiated the conversation.

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.

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