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First Citizens Bank is a subsidiary of the First Citizens Bancshares, Incorporated. The other subsidiary is IronStone Bank. First Citizens Bank operates in 18 states and the District of Columbia. A merger is in place, that if it goes through, will make it the sixth largest bank in the Southeast. First Citizens Bank operates over 575 branches.
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First Citizens Bank provides banking, lending, investment, and insurance products to individuals and businesses. All clients will be able to choose from a variety of accounts and enjoy the benefits that come upon enrollment. Additionally, First Citizens Bank clients can obtain credit cards and plan for their retirement.
For personal clients, there are a wide variety of checking accounts available to enroll in. All accounts include a free visa debit card, free online banking with unlimited Bill Pay, free mobile banking and alerts, and access to over 475 ATMs. The accounts can be broken down as follows:
The lending portion of the First Citizens Bank client offers includes a number of financing options. While there are credit cards, the actual loan capabilities of First Citizens Bank is impressive. The following are loans available through First Citizens Bank: home equity loans, home ownership loans, auto loans, personal loans, and lines of credit.
First Citizens Bank is does not service on a national level. This dramatically impact those that do not reside in one of their states of operation. While they have over 500 individual branches, that does not change the fact that their services cannot be used in a majority of states. The following are states in which First Citizens Bank operates in:
While there are credit cards available to First Citizens Bank clients, there are only four options to choose from. None of them require an annual fee or rewards program fee (except for the Optimum Rewards Card) and they are considered secure. The only credit card types available include the following: First Citizens Optimum Rewards Visa Card (11.24%-22.24% variable APR), First Citizens Rewards Visa Card (11.24%-22.24% variable APR), First Citizens Cash Back Rewards Visa Card (11.24%-22.24% variable APR), and First Citizens Smart Option Visa Card (8.24%-19.24% variable APR).
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