About
First Citizens Bank is a financial institution based in Alabama, United States. The bank provides a range of banking services to individuals, businesses, and communities.
The services offered by First Citizens Bank include personal banking, business banking, lending, and wealth management. In personal banking, the bank offers checking and savings accounts, credit cards, loans, mortgages, and online banking services. For businesses, First Citizens Bank provides credit cards, loans and lines of credit, and merchant services.
The bank also offers a variety of online and mobile banking options, including mobile check deposit, bill pay, and account alerts. In addition, it provides wealth management and investment services to help clients grow and manage their assets.
Overall, First Citizens Bank aims to provide personalized banking solutions that meet the needs of individuals and businesses in Alabama and beyond.
Key Features
Some of the key features of First Citizens Bank include:
- Personalized Banking Solutions. The financial institution offers personalized banking solutions to individuals and businesses to help them achieve their financial goals.
- Wide Range of Banking Services. The bank provides a wide range of banking services, including personal banking, business banking, lending, and wealth management.
- Online and Mobile Banking. First Citizens Bank offers convenient online and mobile banking services to its customers, including mobile check deposit, bill pay, and account alerts.
- Competitive Rates. Customers are offered competitive interest rates on deposit accounts and loans, helping customers maximize their savings and minimize their borrowing costs.
- Community-Oriented. First Citizens Bank is committed to supporting the communities it serves through various philanthropic initiatives and community outreach programs.
- Experienced and Knowledgeable Staff. The bank's staff members are experienced and knowledgeable in their respective areas of expertise, providing high-quality customer service and advice to customers.
Requirements
The specific requirements to open an account at First Citizens Bank may vary depending on the type of account and the customer's individual circumstances. However, some general requirements may include:
- Identification. Customers will need to provide a valid form of identification, such as a driver's license, passport, or state-issued ID.
- Social Security Number (SSN). Customers will need to provide their SSN to open an account, as this is required for tax purposes.
- Minimum Deposit. Some accounts may require a minimum deposit to open, such as a savings account or a certificate of deposit (CD).
- Proof of Address. Customers may need to provide proof of their address, such as a utility bill or lease agreement, to verify their identity and residency.
- Business Documentation. For business accounts, additional documentation may be required, such as business licenses, tax ID numbers, and articles of incorporation.
It's always best to check with First Citizens Bank directly to confirm the specific requirements for the type of account you wish to open and to ensure you have all the necessary documentation before visiting a branch or applying online.
Access on the Go
First Citizens Bank offers convenient access to your accounts on the go through various channels, including:
- Mobile App. The First Citizens Bank mobile app is available for download on both iOS and Android devices. It allows customers to check account balances, view transaction history, transfer funds, pay bills, deposit checks, and more.
- Online Banking. The bank's online banking platform is accessible through any web browser on a computer or mobile device. Customers can manage their accounts, pay bills, transfer funds, and more.
- ATM Network. First Citizens Bank has a network of ATMs throughout its service area, allowing customers to withdraw cash, check account balances, and make deposits.
- Telephone Banking. The bank also offers telephone banking services, where customers can check account balances, transfer funds, and more over the phone.
With these convenient options, First Citizens Bank makes it easy for customers to manage their finances on the go, whether they are traveling, working remotely, or simply prefer the convenience of digital banking.
Products and Services
First Citizens Bank offers a range of banking products and services to meet the needs of its individual and business customers. Some of the key products and services offered by the bank include:
- Checking and Savings Accounts. Customers are offered a variety of checking and savings accounts, including interest-bearing options and specialized accounts for students and seniors.
- Credit Cards. The bank provides credit cards with different reward options, low interest rates, and flexible payment terms.
- Loans. First Citizens Bank offers a range of loan products, including personal loans, home improvement, and debt consolidation loans.
- Business Banking. The bank provides checking accounts, cash management services, loans, and credit cards to help businesses manage their finances.
- Wealth Management. The bank’s wealth management and investment services include financial planning, retirement planning, investment management, trust and estate planning, and private banking services.
- Online and Mobile Banking. Customers can manage their accounts, pay bills, transfer funds, and more using the bank's online and mobile banking services, available through the First Citizens Bank website and mobile app.
- ATMs and Branches. First Citizens Bank has a network of ATMs and branches throughout its service area, providing convenient access to banking services.
Overall, First Citizens Bank aims to provide personalized banking solutions that meet the unique needs of its customers and support their financial goals.
Which associations does First Citizens Bank belong to?
First Citizens Bank is a member of several associations that govern and regulate the banking industry. These associations include:
- Federal Deposit Insurance Corporation (FDIC). It provides insurance coverage to depositors in case of bank failure, up to the limits allowed by law.
- Federal Reserve System. It regulates and supervises banks and helps to implement monetary policy.
- National Automated Clearing House Association (NACHA). It manages the electronic payments network in the United States and oversees the Automated Clearing House (ACH) system.
- Electronic Funds Transfer Association (EFTA). It promotes electronic payment systems and provides education and advocacy for the industry.
- Consumer Bankers Association (CBA). It represents the retail banking industry and advocates for policies that support banks and their customers.
By being a member of these associations, First Citizens Bank is able to stay informed about industry developments and best practices, and to participate in shaping the regulatory environment that affects the banking industry.
