About First Citizens Bank

Founded in 1898, First Citizens operates 345 branches in North Carolina, Virginia, West Virginia, Tennessee and Maryland. The bank is a major subsidiary of First Citizens BancShares Inc. First Citizens is committed to providing superior financial services to individual customers and small to mid-sized businesses.
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Overall Rating

MyBankTracker rated First Citizens Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.


MyBankTracker Rating

Customer Rating
Based on 25 Reviews
Financial Health
Based on Texas Ratio: 15.36
Bank Fees
vs. Average
Bank Rates
vs. Average
Number of Locations
vs. Similar Institutions

Locations & Hours

First Citizens Bank Location Map
First Citizens Bank Location Map
We found branches close to you and 428 nationwide.
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Most Helpful Customer Reviews

OrlandoEscalaya's Profile Image

Reviewed by OrlandoEscalaya

Mar 31st 2014

5 out of 5 marks

Professional, Proactive and Sincere Bank.

I've been banking with First Citizens Bank for 3 years and I'm completely satisfied with the services and products that they offer to their clients. In today's economy we need a bank like First Citizens Bank, with very realistic products that are essential for Small Business owners like myself.

Is this review helpful? ▲ Yes 1 ▼ No 1

wabPDX54's Profile Image

Reviewed by wabPDX54

Aug 26th 2014

5 out of 5 marks

Best Relationship I've Ever Had with a Bank!

I started banking with First Citizens about 4 years ago, as they offered free checking accounts to employees of my previous job. From the moment I opened my account at their Lake Oswego branch, I have had the best customer service I could ever ask for. They go above and beyond to make sure that you and your money is taken care of. Each employee who has helped me has listened and gone out of their way to ensure the correct solutions are found and implemented. It's funny to say, but this bank is like a family to me. I know that my money and accounts will be taken care of with every bit of decency and care that is possible.

The Lake Oswego branch is fantastic, and the downtown Portland one is great too. And I would like to mention Glenda Magistrale, who works tirelessly to make sure that my accounts are taken care of and that I receive the best service possible.

Is this review helpful? ▲ Yes 1 ▼ No 0

ADBOffice's Profile Image

Reviewed by ADBOffice

Sep 19th 2014

5 out of 5 marks

Care Provided Like A Small Town Bank With Big Bank Benefits!

We interviewed multiple banks when deciding to move our business accounts from a big 'bail out' bank with so many service charges and unexpected fees. At the time, ironstone bank stood out from all the rest with the services provided and the business care exhibited at every turn! Having banked with greg schroeder and his team for over 7 years now, we are still grateful they have our business.

Transitioning to first citizens bank has not impacted the responsive attention afforded us. And the product offerings have made our life so much easier. Efficiencies like remote image deposits, master billing for company credit cards at amazing rates, even loan offers have reaffirmed we made the right choice to make our 'home bank' first citizens. Greg and his team continue to make every effort to care for our business needs and we are truly grateful. There is no other bank like our bank!

Is this review helpful? ▲ Yes 1 ▼ No 0

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Bank Rates

First-citizens Bank Money Market




TERM RATE (APY) Min Deposit
12 Month CD



24 Month CD



36 Month CD



Banking Fees

Type Fee National average
Monthly Inactivity



Non-Sufficient Fund (Overdraft)



Stop Payment item



Return Deposit



Domestic Wire Transfer (Outbound)



Domestic Wire Transfer (Inbound)



Non-Bank ATM