First Citizens Bank
About First Citizens Bank
First Citizens Bank, the primary subsidiary of First Citizens BancShares, Inc., is one of the largest and most enduring family-controlled banks in the United States — a financial institution built on more than 125 years of strength, stability, and long-term thinking. Founded in 1898 as the Bank of Smithfield in Johnston County, North Carolina, First Citizens grew steadily through organic expansion and disciplined acquisitions into a coast-to-coast banking powerhouse. Today, First Citizens operates more than 500 branches and offices in 30 states, offering personal banking, small business banking, commercial banking, wealth management, and innovation banking for technology and startup companies through its Silicon Valley Bank division — acquired from the FDIC in March 2023. First Citizens BancShares, Inc. is publicly traded on the Nasdaq Stock Exchange under the ticker symbol FCNCA. The company is led by Chairman and CEO Frank B. Holding, Jr. — a third-generation member of the Holding family that has guided the bank since the 1930s — who reported strong Q1 2026 results highlighted by loan and deposit growth, resilient credit quality, and capital and liquidity positions that remain exceptionally strong. As of the most recently reported quarter, First Citizens BancShares holds approximately $223 billion in total assets, with revenues of approximately $14.8 billion annually.
Quick Information
Industry
Commercial & Retail Banking — Financial Services
Founded
1898, Smithfield, North Carolina
Number of Employees
Approximately 17,333 associates across all branches, offices, and corporate locations
Corporate Office Hours
Monday to Friday, 8:00 AM – 5:00 PM Eastern Time for corporate operations. Personal banking customer service is available Monday through Friday 8:00 AM to 9:00 PM ET, and Saturday through Sunday 8:00 AM to 8:00 PM ET.
Secure message available through Digital Banking at firstcitizens.com.
Website
www.firstcitizens.com
Contact Page
www.firstcitizens.com/support/call-us
Careers Page
jobs.firstcitizens.com
Products & Services
First Citizens Bank offers a comprehensive and growing lineup of personal, business, commercial, and specialty banking services through its coast-to-coast branch and digital banking network. Their full range of products and services includes:
- Personal Checking Accounts — a range of everyday and interest-bearing checking accounts with digital banking and Zelle integration
- Personal Savings Accounts — savings accounts, money market accounts, and certificates of deposit (CDs)
- Home Mortgage Loans — fixed and adjustable-rate mortgages for home purchase, refinancing, and construction
- Home Equity Loans & HELOCs — home equity borrowing products for major purchases, renovations, and debt consolidation
- Personal Loans & Auto Loans — unsecured personal financing and vehicle purchase loans
- Credit Cards — First Citizens Rewards Visa, Cash Back Visa, and other branded credit card products
- Small Business Banking — business checking, savings, payroll, merchant services, and small business credit cards
- Small Business Loans & SBA Lending — SBA 7(a), SBA 504, and conventional small business financing
- Commercial Banking — middle market and large corporate lending, treasury management, and asset-based finance
- Global Fund Banking — a specialty lending segment for venture capital and private equity fund-of-funds clients
- Silicon Valley Bank (SVB) — First Citizens’ innovation banking division serving venture-backed startups, growth-stage companies, and the venture capital ecosystem
- Wealth Management — investment advisory, trust and estate planning, and private banking services for high-net-worth clients
- First Citizens Investor Services — investment products including mutual funds, annuities, stocks, bonds, and IRAs
- Digital Banking — full-service online and mobile banking through the First Citizens Digital Banking platform available 24/7
Corporate Phone Numbers
Personal Banking Customer Service (First Citizens Direct)
1-888-323-4732 — primary personal banking customer service line for all account inquiries, transactions, card services, fraud reporting, digital banking help, and general support. Available Monday through Friday 8:00 AM to 9:00 PM ET, Saturday and Sunday 8:00 AM to 8:00 PM ET. Automated system available 24/7.
Customer Service Outside the United States
919-716-4588 — for customers calling from outside the U.S. for personal or business banking support. Available Monday through Friday 8:00 AM to 9:00 PM ET, Saturday and Sunday 8:00 AM to 8:00 PM ET.
New Accounts
1-877-532-2669 — dedicated line for opening new personal banking accounts. Available Monday through Friday 8:00 AM to 8:00 PM ET.
Small Business Customer Service
1-866-322-4249 — dedicated small business banking customer service line. Available Monday through Friday 8:00 AM to 9:00 PM ET. Automated system available 24/7.
Credit Card Servicing Center
1-800-543-9000 — dedicated credit card support line for all personal and business credit card inquiries including recent transactions, lost/stolen cards, activation, freeze/unfreeze, payments, travel notices, fraud, and dispute filings.
Fraud Reporting
1-888-322-4678 — dedicated fraud reporting and security line. Available Monday through Friday 8:00 AM to 5:00 PM ET.
Mortgage & Home Lending
1-866-645-1694 — dedicated home mortgage and home equity servicing line. Available Monday through Saturday 8:00 AM to 9:00 PM ET and Sunday 8:00 AM to 6:00 PM ET.
Online Banking Support
1-888-323-4732 — also handles all digital banking and online banking support.
Corporate Office Number
(919) 716-7050 — main First Citizens Bank corporate headquarters line for escalated, business, and media inquiries. Available Monday through Friday during regular business hours.
How to Reach a Real Person at First Citizens Bank
The fastest way to speak with a live First Citizens Bank associate for personal banking matters is to call First Citizens Direct at 1-888-323-4732. When the automated system answers, you can say a voice command such as “customer service” or “representative” to be routed to a live associate without navigating the full menu. The line is available Monday through Friday from 8:00 AM to 9:00 PM ET and Saturday through Sunday from 8:00 AM to 8:00 PM ET. For the shortest wait times, calling on weekday mornings before 9:30 AM ET is recommended.
For small business banking inquiries, call 1-866-322-4249. For credit card issues including fraud, disputes, and lost or stolen cards, call 1-800-543-9000 directly to reach the Credit Card Servicing Center. You can also send secure messages through First Citizens’ Digital Banking platform at firstcitizens.com — response time is typically within 2 business days. For branch-specific issues, contacting the local branch manager directly remains the fastest path to resolution for in-person service concerns.
First Citizens Bank Headquarters & Corporate Office Address
First Citizens BancShares, Inc. and First Citizens Bank maintain their corporate headquarters at multiple addresses in Raleigh, North Carolina. The primary corporate address is 4300 Six Forks Road in the North Hills area of Raleigh — the location of the company’s main corporate campus and executive offices. First Citizens also maintains a significant downtown Raleigh presence at 239 Fayetteville Street — the historic First Citizens Center at the center of Raleigh’s financial district — which serves as a flagship branch location and additional office address. The headquarters has been anchored in Raleigh since the company’s early expansion, reflecting First Citizens’ deep roots as a North Carolina institution.
First Citizens BancShares, Inc. / First Citizens Bank — Primary Corporate Headquarters
4300 Six Forks Road
Raleigh, North Carolina 27609
United States
First Citizens Center — Downtown Raleigh Office & Flagship Branch
239 Fayetteville Street
Raleigh, North Carolina 27601
United States
In addition to its Raleigh headquarters, First Citizens operates major regional offices across 30 states including California (Silicon Valley Bank operations in Santa Clara), New York, Texas, Georgia, Virginia, and Florida. For formal written correspondence and escalated complaints, use the 4300 Six Forks Road corporate headquarters address above. Include your full name, account number, return contact details, and a clear subject line with all written correspondence.
How to File a Complaint Against First Citizens Bank
Step 1 — Contact First Citizens Direct
Call 1-888-323-4732 for personal banking or 1-866-322-4249 for business banking. Clearly explain your complaint, provide your account information, and ask the representative to formally log your concern and provide a case reference number. Most billing errors, transaction disputes, fee reversals, and account issues are resolved at this first stage. You can also send a formal complaint via secure message through First Citizens Digital Banking at firstcitizens.com for a written record.
Step 2 — Speak With a Branch Manager
For in-branch complaints, visit the First Citizens location where the issue occurred and ask to speak directly with the Branch Manager. Branch managers have the authority to resolve most account service issues, reverse erroneous fees, and escalate complex disputes to the appropriate regional team immediately.
Step 3 — Request Escalation to a Supervisor
If the first customer service representative cannot resolve your complaint by phone, ask to be transferred to a supervisor or the Customer Experience team. Supervisors have broader authority to approve credits, waive fees, initiate formal investigations, and authorize remedies that frontline agents cannot process. Document all names, dates, and commitments.
Step 4 — Submit a Formal Written Complaint
Write a formal complaint letter to First Citizens BancShares, Inc., 4300 Six Forks Road, Raleigh, North Carolina 27609, Attn: Customer Relations. Include your full name, account number, a detailed description of the issue, all previous contacts made, copies of supporting documentation, and the specific resolution you are requesting.
Step 5 — File a Complaint With the OCC
First Citizens Bank, N.A. is regulated by the Office of the Comptroller of the Currency. File a formal complaint at helpwithmybank.gov or call 1-800-613-6743. The OCC will contact the bank directly and require a formal response and investigation into your complaint.
Step 6 — File a Complaint With the CFPB
File a formal complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or call 1-855-411-2372. The CFPB requires the bank to respond within 15 calendar days and publishes all complaint data publicly, creating a formal federal record of your unresolved issue.
Step 7 — File a BBB Complaint
File a public complaint with the Better Business Bureau at www.bbb.org. First Citizens Bank is registered with the BBB and a public complaint typically prompts a corporate response within 14 days
