My overall experience with First Citizens has been amazing.
I have checking, savings, & a loan through them & rarely have any issues.
The people on the other side of the customer service phone line are ALWAYS nice and helpful.
There have been a couple of individuals that were rude or unhelpful here and there, but they usually don't last long with the bank, or so I've noticed.
I hope they keep it up because I tell everyone how much I actually LIKE my bank.
I'be been with this bank for years and love it. The staff are very welcoming and personable and know you by name. We have overdraft protection, which is at a reasonable fee and very helpful and they have VERY low interest for that. I would recommend this bank.