FC Bank Review, First Citizens Bank Account Online Application Process, Login Process and Lots More

First Citizens Bank

First Citizens Bank knows nothing about this content, the review, analysis, or recommendation is of the author alone. Therefore, it has not been reviewed, approved, or endorsed by FC Bank.

The First Citizens Bank (FC Bank) is one of the banks that have its branch or branches in about 18 states in the United States. It has its Headquartered located in Raleigh, North Carolina, United State of America.

FC Bank has been in operation since 1898, just like what many large, multi-branch banks does, you may not find the highest interest rates possible today on First Citizens Bank. The bank is a subsidiary of First Citizens Bancshares, Inc. Another subsidiary is IronStone Bank. The main focuses of the bank are personal banking, business banking, and wealth management.

In the early 1990s, FC Bank began expanding outside of North Carolina and now has over 500 branches and over 7000 employees in 18 states.  The bank supports the communities where it operates by partnering with medical centers to improve the outcomes of teens and young adults with cancer

In 2010, FC Bank employed an additional 4400 workers across the bank branches. The bank serves customers in over 200 locations with its branches increases to 571 branches in West Virginia, Virginia, North Carolina, South Carolina, Pennsylvania, and New Mexico. Other locations include Arizona, Oklahoma, District of Columbia, Maryland, Georgia, California, Tennessee, Missouri, Washington, Kansas, Minnesota, Colorado, Texas, Florida, and Oregon.

If you need a bank to have all your account in one place, FC bank should be considering. On the bank mobile app, you will be able to see First Citizens Bank accounts and your accounts at other financial institutions.

Pros and Cons of First Citizens Bank

This part of the article will run through the good and bad of the bank, on the other hand, it will open our eyes to what expected through banking with FC Bank.

FC Bank Pros

====> On the bank, you will enjoy a variety of banking products and services

====> Any customers with multiple accounts will enjoy good bonus rates

====> You will have access to money management tools on the FC Bank mobile app

FC Bank Cons

====> The bank is limited to some states in the country, not every person can access the bank, it is only available for people in some selected locations

====> On the bank, you will enjoy relatively low-interest rates

First Citizens Bank Fees

All banks charge fees for certain things, and FC Bank is no different. Its fees are pretty much in line with what most banks charge, but First Citizens Bank may charge different fees based on the state where the account was opened.

Non-First Citizens Bank ATM fees: If you make use of your Card on Non-First Citizens Bank ATMs, you will be charged $2.50 after 5 per month (free for Prestige accounts)

Cashier’s Check (at a branch): If you make use of the Cashier check at any branches, you will be charged $10 (free for Prestige and Premier accounts)

Overdraft Protection Transfer: On overdraft protection transfer, you will be charged $12 (free for Prestige accounts)

Outgoing Wire Transfer: On outgoing wire transfer that takes place in your account, you will be charged $30

Stop Payment: If you request stop payment on your account, you will be charged between $23 and $35, depending on how the request is initiated

Overdraft: An overdraft in your account, you will be charged $36

How to Register Internet Banking on First Citizens Bank

FC Bank online banking account registration is free, this free registration gives you access to internet banking services for free.

Meanwhile, internet banking available only to customers that have an account with the bank. Therefore, to be able to create your internet banking account, you need your First Citizens Bank details. This part of the article will guide you through the online account application process.

Step 1 ====> You need to visit the bank official website or webpage

Step 2 ====> Now, on the page, locate and click on the enroll in personal online banking link

FirstCitizens Bank

Step 3 ====> Now, locate and click on the enroll now link

Step 4 ====> Enter your bank details, such as your Debit Card number, PIN, Social Security Number (SSN), account number, and click on the continue button

Step 5 ====> Follow the on-screen instruction to complete the internet application process

Now that you completed the online banking account, you need to learn how to log in to your online banking account. This will lead us to the next line of action:

How to Login to FC Bank Online Account

This part of the article will run through two ways to log in to your internet banking via First Citizens Bank. The processes are simple and easy to go about, it will only take a few seconds. Here we go:

Log In to Your First Citizens Bank Account via a Mobile Phone

This part of the article will run through login into your account via the mobile app. We are taking this part first, many make use of mobile devices to access internet banking for online banking systems. Here is a simple guide to use the First Citizens Bank mobile app to access your online account.

Step 1 ====> You need to download the app from the play stores, Android users need to download the app from  either the Google Play and iOS users on Apple Store

Step 2 ====> After downloading the app, install the app on your phone

Step 3 ====> Then, open the app on your mobile device or tablet

Step 4 ====> Now, enter your Login ID and password in the space provided when prompted

If you entered the login details, you will be able to access your online account. From there, you can bank from anywhere. Just be careful about using any banking or financial app while on an unfamiliar or unsecured wireless network.

Log In to Your First Citizens Bank Account via a Computer

Not everybody loves making use of the mobile app to access online banking, some make use of the web as well. Therefore, for this reason, we will run through the login process using the website process. Here are the processes, let go:

Step 1 ====> You need to visit the official website First Citizens Bank home page or copy and paste https://www.firstcitizens.com on your browser and click on the enter button

Step 2 ====> On the page, locate and click on the login button at the top right corner of the page

Step 3 ====> Enter your login details (user ID and password) in the space provided

First Citizens Bank

Step 4 ====> If it is your first time, click on New User Log In button

Step 5 ====> If not, simply click Log In button to access your online account

If you entered the correct login details, you should be able to access your online account. If not, you will not be able to access your account.

Manage your First Citizens Bank Online Account

Once you log in to your online account through any of the methods above, you will be able to perform the following function on your account.

====> On your account, you will be able to make payments through the First Citizens Bank online account

====> You will be able to download your check images

====> You will be able to locate the nearest ATMs closer to you through the ATM locator tool

====> You will get access to the eStatements in your account

How to Recover First Citizens Bank Login Details

If you have either forgotten or lost your Login ID or password, you will be able to recover them through the process in this part of the article. Everything has to be taken place through the First Citizens Bank portal.

Recover a Lost/Forgotten Password

In other to reset your password, you need to follow the steps in this part of the article.

Step 1 ====> You need to visit the official login page of the First Citizens Bank as explained above

Step 2 ====> Now located and click the link labeled Forgot Password located under the section where you would normally enter your Login ID and password

Step 3 ====> Now, enter your Login ID or user ID

Step 4 ====> Follow the on-screen steps or instruction to complete the recovery process.

Recover Lost/Forgotten Login ID

You will not be able to change your user ID, you can only recover it. This process will guide you to recover your FC Bank user ID

Step 1 ====> You need to visit the official login page of the First Citizens Bank as explained above

Step 2 ====> Now located and click the link labeled Forget user ID located under the section where you would normally enter your Login ID and password

Step 3 ====> Now, enter the following in the fields provided: Social Security number/Tax ID, Account Number, and Email address on file

Step 4 ====>Follow the on-screen instruction to complete the process

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Contacting Citizens If You Have Trouble with your First Citizens Bank Account

This bank will surprise you when it comes to contacting them for any issue regarding your online account or other banking activities. FC Bank provides various ways to contact them through their customer service care centers.

You will be able to contact the bank 24/7 through any of the following phone numbers

====> If you need to inquire on any general matter or general assistance, call this phone number: 800 922 9999

====> In case you need to settle a matter concerning mobile banking or internet banking, contact them through this phone number: 877 670 4100

====> Meanwhile, you can speak English fluently, you may choose to contact them if you communicate fluently in Spanish-language, call the support care line in that language: 888 398 7900

====> You may decide to send a secure message via email on the site on the official website

====> In addition to that, you may even visit a branch in person to launch your complaint. Search the branch locator to find your nearest branch and its operating hours.

====> Last but not least, you may contact them through social media platforms such as Facebook or Twitter handle accounts.

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About the Author: Gadgetsright

Adeola (Jasper) is someone who loves everything about technology. He devoted to everything that is tech-related and tries his best to produce useful and quality articles about mobiles, computers and other related products.

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