First Citizens Mobile Banking

First Citizens Bank & Trust

About this app

First Citizens Digital Banking gives you a powerful, comprehensive set of mobile banking tools that work across all your devices – mobile phone, tablet, and computer. Log in from your Android device quickly and securely using facial recognition, fingerprint authentication or a 4-digit passcode.

First Citizens Digital Banking helps consumer and business customers:
• View your accounts and transaction history
• Deposit checks from your mobile device
• Pay bills and make transfers between your First Citizens accounts
• Manage your credit cards easily and quickly – lock and unlock a card, activate a new card, report upcoming travel, report a lost or stolen card and more
• Receive account and security alerts via text or email
• Securely access your checking, savings and credit card statements at any time
• View tax documents

Consumer customers can also:
• View your complete financial picture by linking all your accounts (even those with other financial institutions), track spending patterns, create budgets, understand your net worth and manage expenses, all in one place
• Send money to friends, family and others you trust with Zelle®
• Transfer funds to and from accounts you have at other financial institutions
• View FICO® Scores if you have a consumer loan, credit card or mortgage
• Set up text and email alerts to help monitor credit and debit card activity
• Manage your debit cards easily and quickly – lock and unlock a card, activate a new card, change your PIN, report upcoming travel, report a lost or stolen card and more. Credit card customers can also add authorized users, request balance transfers and more.

Business customers can also:
• Set up multi-user access - customize and designate access to employees who are helping manage the company's finances
• Send domestic wire transfers
• Send payments via ACH
• Detect fraud with ACH Monitor and Positive Pay
• Set up text and email alerts to help monitor credit card activity

About First Citizens Bank:
Founded in 1898 and headquartered in Raleigh, N.C., First Citizens Bank serves customers at more than 600 branches in 22 states. For more information, visit firstcitizens.com.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. Mobile carrier fees may apply for data and
text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Android is a trademark of Google, Inc. Google Play and Google Play logo are trademarks of Google Inc.

FICO is a registered trademark of Fair Isaac Corporation.

Copyright © 2022. First Citizens Bank. Member FDIC. Equal Housing Lender.

Ratings and reviews

I love the FCT mobile app. This app has come a long way over the years. Pleasant UI, easy account access, all the information I need. This isn't specifically about the app, but I would like to see FCT offer support for hardware keys. I would like to use my yubikey for 2fa authentication both online and within mobile app for a higher level of security. Current regulations may not align, but the consideration would be appreciated.

It was ok the first couple of times that I used it, but then when I would transfer money, instead of taking it from my checking account it took it from the checking reserved account (which I never selected) which then I had to pay back with interest which frustrated me. And now, it took away one of the accounts I was transferring money to. When I contacted customer service they were like, you'll have to use Zelle for that account. I don't want to do that. Horrible!

Always an issue, money is there then shows it's not. Zelle isn't working right now, having issues with pending transactions, then you end up with an overdraft fee... totally not worth it... I'll use a different bank from now on . Customer service has no idea what they are doing and seems like it has been outsourced to another country outside the US which is another issue all together. Makes me feel like my money isn't safe and I could get hacked again at any time.

What's new

Our latest Digital Banking App upgrade includes performance enhancements, design enhancements and bug fixes.