What is First Citizens Bank and What Services Does It Offer?
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First Citizens Bank is a commercial bank headquartered in Raleigh, North Carolina, USA. It was founded in 1898 and is one of the largest family-controlled banks in the United States. First Citizens Bank operates in 19 states across the country, with over 550 branches and 1,200 ATMs.
The bank offers a wide range of banking services to its customers, including:
Personal banking: First Citizens Bank provides personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.
Business banking: The bank offers various business banking services, such as business checking and savings accounts, merchant services, loans and lines of credit, and treasury management solutions.
Wealth management: First Citizens Bank provides wealth management services to help individuals and families plan for their financial futures. Services include investment management, trust and estate planning, retirement planning, and insurance services.
Online and mobile banking: The bank offers online and mobile banking services, allowing customers to access their accounts, transfer funds, pay bills, and deposit checks from their computers or mobile devices.
Investment services: First Citizens Bank provides investment services, including brokerage, retirement planning, and wealth management services to help clients achieve their financial goals.
Overall, First Citizens Bank provides a wide range of banking services to individuals, businesses, and institutions across the United States.
Types of Accounts Offered by First Citizens Bank
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First Citizens Bank offers a variety of account types to meet the financial needs of its customers. The following are the most common account types offered by the bank:
Checking accounts: First Citizens Bank offers several types of checking accounts, including personal checking, business checking, and student checking. Each type of checking account comes with different features, benefits, and fees.
Savings accounts: The bank offers personal savings accounts, including basic savings, money market, and CDs (Certificate of Deposit). These accounts offer competitive interest rates, no monthly maintenance fees, and easy access to funds.
Retirement accounts: First Citizens Bank provides various retirement accounts, such as Traditional and Roth IRAs, SEP IRAs, and SIMPLE IRAs. These accounts allow individuals to save for retirement with tax advantages.
Loans and credit lines: The bank offers a range of loan and credit line options, including personal loans, auto loans, home equity loans and lines of credit, and business loans.
Credit cards: First Citizens Bank provides several credit card options, including rewards credit cards and secured credit cards.
Wealth management accounts: The bank offers wealth management accounts, including investment accounts, trust accounts, and estate planning services.
Overall, First Citizens Bank provides a comprehensive range of account types to meet the financial needs of individuals, businesses, and institutions.
Online Banking & Mobile App Features from First Citizens Bank
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First Citizens Bank offers robust online banking and mobile app features to allow customers to manage their accounts conveniently and securely. Here are some of the main features offered by the bank:
Online banking: With First Citizens Bank's online banking platform, customers can view account balances and transaction history, transfer funds between accounts, pay bills, and access electronic statements.
Mobile app: The bank's mobile app provides customers with many of the same features available through online banking. Additionally, customers can deposit checks using their smartphone cameras, locate nearby ATMs and branches, and even send money to other individuals through the app.
Alerts: Customers can set up custom account alerts to receive notifications via text or email when certain activities occur in their accounts, such as when a check clears or when a balance falls below a certain threshold.
Budgeting and spending tools: First Citizens Bank's online and mobile platforms provide budgeting tools that allow customers to track spending, set savings goals, and create personalized budgets.
Card controls: Through the mobile app, customers can control and manage their debit and credit cards, including setting spending limits, turning cards on and off, and receiving alerts for card transactions.
Security features: First Citizens Bank's online banking and mobile app use multi-factor authentication and advanced encryption technologies to protect customers' accounts and personal information.
Overall, First Citizens Bank offers a robust set of online banking and mobile app features to provide customers with convenient and secure access to their accounts.
The Benefits of Banking with First Citizens Bank
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There are several benefits to banking with First Citizens Bank, including:
Wide range of products and services: First Citizens Bank offers a comprehensive suite of banking products and services, including personal and business banking, loans, credit cards, wealth management, and investment services. This makes it a convenient one-stop-shop for all of your financial needs.
Competitive rates: The bank offers competitive rates on its deposit accounts, loans, and credit products. This can help you save money on interest charges and earn more on your savings.
Convenient access: With over 550 branches and 1,200 ATMs in 19 states, First Citizens Bank provides convenient access to your accounts and financial services. The bank also offers online banking and a mobile app that allows you to manage your accounts from anywhere.
Strong customer service: First Citizens Bank has a reputation for providing excellent customer service. The bank has won several awards for its customer satisfaction and support.
Community involvement: First Citizens Bank is committed to giving back to the communities it serves through charitable donations, volunteerism, and other philanthropic efforts.
Financial strength and stability: First Citizens Bank is a well-established bank with a long history of financial stability. The bank has consistently received high ratings from independent rating agencies, such as Moody's and Standard & Poor's.
Overall, banking with First Citizens Bank provides a wide range of products and services, competitive rates, convenient access, strong customer service, community involvement, and financial stability.