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Founded in 1898 in Wilson, North Carolina, First Citizens Online Banking has anchored Southeast prosperity for over 125 years — managing $200 billion in assets for more than 1 million customers from Raleigh to Miami. The First Citizens Online Banking portal is your digital harbor — delivering encrypted, real-time anchoring through checking, high-yield savings, home mortgages, auto loans, and business growth tools — all backed by FDIC insurance up to $250,000 and a legacy of regional stability. With 550+ branches across 22 states and a mobile app rated 4.8 stars, First Citizens Online Banking steadies local economies with AI budgeting, fraud alerts, and 24/7 access for a lifetime of financial security.
Established in 1898 to serve North Carolina farmers and families, First Citizens Online Banking has expanded into a $200 billion regional anchor, supporting residents, educators, healthcare workers, and small businesses across the Southeast and beyond. The First Citizens Online Banking platform is your financial harbor — offering smooth control of checking, youth savings, auto refinancing, first mortgages, and commercial lending with regional expertise. Unlike national banks, First Citizens Online Banking is family-controlled: decisions stay in Raleigh, and $2 million flows annually into education, housing, and community development.
First Citizens Online Banking delivers Southeast-ready features — Zelle® transfers, mobile check deposit, card lock, and more. Deposit up to $15,000 from the coast, transfer between accounts in seconds, and earn rewards on everyday spending — all inside the secure First Citizens Online Banking ecosystem. Apple Pay, Google Pay, and real-time alerts keep your finances anchored.
Getting started is harbor smooth. Use your Southeast ID, verify with a selfie or call, and fund your account — in under 60 seconds, you’re in the First Citizens Online Banking harbor. Use the app with Touch ID, the web portal with budgeting AI, and the always-on virtual guide “FCB Anchor.” Link external accounts, set auto-saves, and go paperless — all through First Citizens Online Banking.
First Citizens Online Banking operates a zero-trust security model, SOC 2 certified, with continuous testing and partnerships with CrowdStrike. All data is encrypted with 256-bit AES, protected by MFA (SMS, app, biometrics). AI monitors 150+ behavior signals per session, blocking fraud in <50ms. Systems in Raleigh maintain 99.99% uptime with cloud redundancy.
First Citizens Online Banking invests $2 million+ annually in community innovation. The 2026 roadmap includes AI financial coach, voice banking, and expanded Southeast rewards — all launching through First Citizens Online Banking.
Southeast members share how First Citizens Online Banking steadied their financial voyage — from first homes to business growth.
"Financed my truck at 5.24% APR and saved $92/month — approved in 10 minutes via First Citizens Online Banking!" – Jake R., Raleigh Resident
"Bought my Charlotte home in 20 days with a 6.125% mortgage — all digital through First Citizens Online Banking." – Emily T., Teacher
"First Citizens Online Banking is my financial harbor — steady, secure, and always anchored." – Tom L., Business Owner
First Citizens Online Banking returns profits to members — $2 million in 2024 via dividends and fee waivers.
First Citizens Online Banking has helped thousands steady their financial course — from first homes to business growth.
First Citizens Online Banking turns spending into strategy. View 120-day trends, categorize with 99% AI accuracy, and track goals live.
Access 250+ guides, calculators, and videos tailored for Southeast life — all inside First Citizens Online Banking.
First Citizens Online Banking offers secure APIs, OAuth2, and sandbox for developers. Integrate with YNAB, QuickBooks, or build custom tools.
Access 30,000+ CO-OP ATMs, 5,000+ shared branches, and local partners — all through First Citizens Online Banking.
7,000+ team members across 550 branches and Raleigh HQ. Named Top Workplace by News & Observer 5 years running.
Free monthly webinars in English. Topics: “Southeast Home Buying,” “Credit Anchor,” “Business Stability.”
Raleigh team available 24/7. Chat, video, phone, or schedule — all in First Citizens Online Banking.
First Citizens Online Banking promotes paperless banking, solar branches, and Outer Banks cleanups. Each digital user plants a tree in the Croatan Forest.
Southeast media praises First Citizens Online Banking for local focus, digital speed, and community impact. 95% satisfaction, 4.8-star app rating.
First Citizens Online Banking is FDIC-insured to $250,000 per depositor. Annual audits, SOC 2, and local governance ensure your trust.
40+ honors for community service, workplace culture, and digital innovation.
Need help? The First Citizens Online Banking team is ready 24/7. Chat, call, or submit below.
Email: [email protected]
Phone: 888-323-4732
HQ: 4300 Six Forks Rd, Raleigh, NC 27609
50,000+ Southeast businesses use First Citizens Online Banking for payroll, merchant services, and growth loans up to $1.5 million.
First Citizens Online Banking protects you — but strong habits matter. Use unique passwords, enable MFA, avoid public Wi-Fi.
Rated 4.8 stars with 500,000+ downloads. Deposit checks, pay bills, track rewards — all from your phone with First Citizens Online Banking.
Since 1898, First Citizens Online Banking has invested $100 million in the Southeast — education, housing, and local businesses.
Grow your money faster with competitive rates and no fees.
From autos to homes — fast approval, local service.
Tools for Southeast businesses — payroll, payments, and growth.
Tools and guidance to build lasting financial health.
Ready to steady financial security? First Citizens Online Banking is your secure, instant Southeast banking portal.