New · Earn 4.25% APY on savings

Banking that grows with you.

From your first checking account to your family's wealth plan, First Citizen has served neighborhoods and businesses for over a century.

Member FDIC 240+ branches

Everyday Checking

$12,486.20

Transfer
Deposit
Pay Bill

Mobile deposit in seconds

Snap a photo. We handle the rest.

12-Month CD4.85%APY · $1,000 minimum
High-Yield Savings4.25%APY · No minimum
30-Year Fixed Mortgage6.49%APR · Purchase
Home Equity Line7.75%APR · Intro rate

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Solutions for every stage of life

Whether you're opening your first account or expanding a business, our advisors and digital tools are here to help.

Everyday Checking

No monthly fee with direct deposit. Includes early paycheck and free debit card.

Open Checking

High-Yield Savings

Earn a competitive APY with no minimum balance and no hidden fees.

Start Saving

Home Loans

Local underwriters, fast pre-approval, and mortgage advisors that know your market.

Get Pre-Approved

Rewards Credit Card

Unlimited 2% cash back on every purchase with no annual fee.

Apply Now

Auto Loans

Competitive rates on new and used vehicles with terms that fit your budget.

See Rates

Business Banking

Checking, lending, and treasury tools designed for growing companies.

Explore Business

A trusted advisor

Wealth planning that puts your family first

Our advisors build long-term strategies across investments, trust, and retirement — with the personal attention of a community bank.

Meet an advisor

Since 1898

A community bank with national reach

We combine the strength of a top-tier balance sheet with the local relationships that only a hometown bank can offer.

$52B

Assets under management

240+

Branches nationwide

125yr

Serving communities

Ready when you are.

Open an account online in about five minutes, or stop by a branch to meet your local banker.