Call Us

Contact Phone Numbers

Customer Service

888-FC DIRECT

Toll-free 888-323-4732

Automated system available
24 hours a day, 7 days a week

Customer service reps available
every day 7 am to 11 pm ET

New Accounts

877-532-2669

Monday thru Friday
8 am to 8 pm ET

Other Important Numbers

Service

Phone

Hours

Outside the United States

919-716-4588

Automated system:
7 days a week
24 hours a day

Credit Cards

800-543-9000

7 days a week
11 am to 7 pm ET

Credit Cards Outside the US

540-561-4707

7 days a week
24 hours a day

Credit Card Activations

888-514-6846

Automated system:
7 days a week
24 hours a day

Customer service reps:
7 days a week
7 am to 11 pm ET

First Citizens Rewards Center

866-645-1694

Monday thru Saturday
8 am to 9 pm ET

Sunday
8 am to 6 pm ET

Insurance

888-322-4678

Monday thru Friday
8 am to 5 pm ET

Life Insurance

866-322-5433

Monday thru Friday
8 am to 5 pm ET

Mortgage Customer Service

800-845-3161

Monday thru Friday
8:30 am to 6 pm ET

Report Fraud Account Activity

866-567-7760

7 days a week
7 am to 11 pm ET

Debit Card Activations

800-562-1337

Automated system:
7 days a week
24 hours a day

Customer service reps:
7 days a week
7 am to 11 pm ET

Zelle

877-206-3818

7 days a week
7 am to 11 pm ET

FAQ

People often ask us

To get started when calling First Citizens Direct, you'll be prompted to say the reason for your call for proper routing.

  • Personal banking
  • Business banking
  • Fraud alert
  • Apply for a new account

The following self-serve options are available when Personal Banking is selected:

  • Repeat balance
  • Recent transactions
  • Checking and savings accounts

A representative can help you with:

  • Card services
  • Mortgages and loans
  • Digital Banking
  • Apply for a new account
  • Other banking services
  • Business banking

The following self-serve options are available when Checking and Savings is selected:

  • Transfer funds
  • Make a payment
  • Check balances
  • Get check information
  • Stop a payment

A representative can help you with:

  • Report fraud
  • Change overdraft settings
  • Reorder checks

The following self-serve options are available when Card Services is selected:

  • Check recent card transactions
  • Report your card lost, stolen or damaged
  • Activate a card
  • Freeze or unfreeze a card
  • Make a payment
  • Report travel

A representative can help you with:

  • Report fraud

The following options are available when Mortgages and Loans is selected:

  • Make a payment
  • Get information
  • Apply for a mortgage or loan

The following options are available when Other Bank Services is selected:

  • Make a payment
  • Report a card lost, stolen or damaged
  • Transfer funds
  • Report fraud
  • Reach brokerage or trading department

When calling Credit Card Activation (888-514-6846) or Debit Card Activation (800-562-1337) from the number on the sticker of a new credit card, you'll be asked to enter your 16-digit card number along with additional information. Upon successfully authenticating, your card will be activated.

When calling Bankcard Services (800-543-9000), you'll first be asked questions to authenticate your account. If you're unable to authenticate, you'll be sent to speak to a representative.

The menu options include:

  • Check recent card transactions (available as self-service option)
  • Report your card lost, stolen or damaged
  • Activate a card
  • Freeze or unfreeze a card
  • Make a payment
  • Report travel
  • Report fraud

Customer Service

866-FCB-4BIZ

Toll-free 866-322-4249

Automated system available
24 hours a day, 7 days a week

Customer service reps available
Monday thru Saturday 7 am to 11 pm ET

Other Important Numbers

Service

Phone

Hours

Outside the United States

919-716-4588

Automated system:
7 days a week
24 hours a day

Customer service reps:
7 days a week
7 am to 11 pm ET

Merchant Services

800-564-1774

Monday thru Friday
8 am to 5:30 pm ET

Insurance

888-322-4678

Monday thru Friday
8 am to 5 pm ET

Credit Cards

800-543-9000

7 days a week
7 am to 11 pm ET

Credit Cards Outside the US

540-561-4707

7 days a week
24 hours a day

Credit Card Activations

888-514-6846

Automated system:
7 days a week
24 hours a day

Customer service reps:
7 days a week
7 am to 11 pm ET

First Citizens Rewards Center

866-645-1694

Monday thru Saturday
8 am to 9 pm ET

Sunday
8 am to 6 pm ET

Report Fraud Account Activity

866-567-7760

7 days a week
7 am to 11 pm ET

Debit Card Activations

800-562-1337

Automated system:
7 days a week
24 hours a day

Customer service reps:
7 days a week
7 am to 11 pm ET

FAQ

People often ask us

When calling First Citizens Business (866-322-4BIZ), you'll be prompted to say the reason for your call for proper routing. To sign in for account access, you can say Continue to go through account authentication. Otherwise, select from the following:

  • BOB Advantage or Digital Banking for Business
  • Treasury Management Services
  • Remote Image Deposit Support
  • Fraud Alert
  • New Account
  • Bill Pay
  • Password Assistance
  • Transaction Authentication

When you call the number on the sticker of a new credit card for Credit Card Activation (888-514-6846) or Debit Card Activation (800-562-1337), you'll be asked to enter your 16-digit card number along with additional information. Upon successfully authenticating, your card will be activated.

When calling Bankcard Services (800-543-9000), you'll first be asked questions to authenticate your account. If you're unable to authenticate, you'll be sent to speak to a representative.

Self-service bankcard menu options include:

  • Check recent card transactions
  • Report your card lost, stolen or damaged
  • Activate a card
  • Freeze or unfreeze a card
  • Make a payment
  • Report Travel

A representative can help you to:

  • Report fraud

Customer Service

855-329-3258

Customer service reps available
Monday thru Friday 8 am to 5 pm

Other Important Numbers

Service

Phone

Hours

Outside the United States

919-716-4588

Automated system:
7 days a week
24 hours a day

Customer service reps:
7 days a week
7 am to 11 pm ET

Credit Cards

800-543-9000

7 days a week
11 am to 7 pm ET

Credit Cards Outside the US

540-561-4707

7 days a week
24 hours a day

Credit Card Activations

888-514-6846

Automated system:
7 days a week
24 hours a day

Customer service reps:
7 days a week
7 am to 11 pm ET

First Citizens Rewards Center

866-645-1694

Monday thru Saturday
8 am to 9 pm ET

Sunday
8 am to 6 pm ET

Insurance

888-322-4678

Monday thru Friday
8 am to 5 pm ET

Life Insurance

866-322-5433

Monday thru Friday
8 am to 5 pm ET

Mortgage Customer Service

800-845-3161

Monday thru Friday
8:30 am to 6 pm ET

Report Fraud Account Activity

866-567-7760

7 days a week
7 am to 11 pm ET

Debit Card Activations

800-562-1337

Automated system:
7 days a week
24 hours a day

Customer service reps:
7 days a week
7 am to 11 pm ET

Zelle

877-206-3818

7 days a week
7 am to 11 pm ET

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