First Citizens Bank: Easy Registration for Digital Banking

Last Updated on December 16, 2025 by admin

First Citizens Bank is a major U.S. bank headquartered in Raleigh, North Carolina, with hundreds of branches across many states and a comprehensive Digital Banking platform for online and mobile banking. It’s part of First Citizens BancShares, Inc., one of the largest banks in the country.

The Bank online banking has become an essential service for individuals and businesses who need to carry out their banking service from the laptop or mobile phone from any location at any time without visiting the banking hall.

The bank offer convenience and efficiency when it come to online banking, the service is second to none to meet the diverse needs of its customers. From managing accounts to securely transferring funds, the bank’s online services are tailored to enhance the banking experience

With First Citizens Bank’s online platform, customers can easily check balances, pay bills, transfer money, and manage accounts, credit cards, loans, and other financial services securely from a computer, tablet, or smartphone no need to visit a branch in person.

Read: US Bank wire transfer: type of wire transfer & limits routing number and charges

Table of Contents

Features of First Citizen Bank online banking

According to First Citizens Bank’s Digital Banking page, customers can perform the following service as adumbrated below.

View account balances & transaction history
Transfer money between accounts or external banks
Pay bills and schedule automatic payments
Send money using Zelle® (to U.S. friends/family)
Mobile check deposit by taking a photo of a check
Security alerts and card controls (lock/unlock cards)
Access statements and tax documents
Manage cards and notifications (report lost/stolen, travel notices)

Benefits of First Citizen Bank online banking

Online banking with First Citizens Bank gives customers convenience, control, and secure access to their finances. Based on the bank’s online and mobile banking pages, here are the major benefits:

1. 24/7 Access to Your Accounts

You can check balances, view transactions, and manage your accounts anytime, from anywhere. This is supported by the bank’s digital banking tools that allow access 24/7

2. Manage All Accounts in One Place

You can view accounts from multiple financial institutions in one dashboard, making budgeting and financial tracking easier

3. Mobile Check Deposit

You can deposit checks anytime by taking a photo with your phone—no need to visit a branch or ATM.

4. Bill Pay Convenience

You can pay bills online, set up recurring payments, and avoid the hassle of writing checks or mailing payments

5. Money Transfers & Zelle®

Online banking allows you to:

Transfer funds between accounts
Send money to others using Zelle® This makes payments fast and convenient.

6.Debit Card Controls & Alerts

You can:

Lock/unlock your debit card
Change your PIN
Set up alerts to monitor account activity These features enhance security and fraud protection.

7. Electronic Statements (eStatements)

You can receive statements electronically, reducing paper clutter and improving security.

8. Digital Wallet Compatibility

You can add your First Citizens debit card to digital wallets and pay with your phone for faster, contactless transactions

Read: Citibank wire transfer: type of wire transfer & limits rountig number and charges

How to Register for First Citizens Bank Online Banking (U.S.)

First Citizens Bank provides a secure online registration form where new users can create their digital banking login.

According to the bank’s official registration page, here’s what you need to do:

1. Go to the Official Website

2. Open the Digital Banking Login Page

On the homepage, click “Log In” (usually in the top right corner).
Under the login fields, select “Enroll Now” or “Enroll in Digital Banking.”

3. Choose the Type of Enrollment

You will be asked whether you’re enrolling as a:

Personal customer
Business customer

Choose the one that applies to you.

4. Enter Your Personal Information

For personal banking, you will typically need:

Full name
Social Security Number (SSN)
Date of birth
Bank account number or debit card number
Email and mobile phone number

This allows the bank to verify your identity.

5. Create Your Login Credentials

You will create:

User ID
Password

Make sure you follow the security rules (capital letters, numbers, special characters, etc.).

6. Verify Your Identity

First Citizens will send you a Secure Access Code via:

Text (SMS),
Email, or
Phone call.

Enter this code to continue the setup.

7. Accept the Terms & Conditions

Read and agree to the bank’s digital banking agreement.

8. Your Enrollment Is Complete

You can now log in to:

Online banking via the website
Mobile banking app (iOS or Android) using the same credentials

After Registration

You can now:

Check balances
Transfer money
Pay bills
Deposit checks with the mobile app
Set alerts
Manage cards
…and much more.

Read: capital one wire transfer: type of wire transfer & limits rountig number and charges

First Citizen Bank mobile app

The First Citizens Digital Banking app is the official mobile banking application from First Citizens Bank that lets you manage your accounts on your smartphone or tablet. You can use it once you’re enrolled in Digital Banking (online banking) — the same credentials work for both the app and the website. First Citizens Bank

You can download it for iOS (iPhone & iPad) and Android devices from the Apple App Store or Google Play.

How to Register for First Citizens Bank Mobile App (U.S.)

To use the mobile app, you must first enroll in Digital Banking, because the same username and password are used for both online and mobile access.

Below is the full process.

Step 1: Download the Mobile App

You can install the app from:

Apple App Store (iPhone/iPad)
Google Play Store (Android)

Search for: “First Citizens Digital Banking” or “First Citizens Bank”.

Step 2: Open the App and Tap “Enroll”

When the app opens:

Tap “Enroll Now” or “First Time User”
You will be taken to the Digital Banking enrollment page

Step 3: Verify Your Identity

You will be asked to enter your personal banking information, such as:

Full name
Social Security Number (SSN)
Date of birth
Account number or debit card number
Email and phone number

This confirms your identity and matches you to your existing bank account.

Step 4: Create Your Login Credentials

You will set up your:

User ID
Password

The same credentials will work for both:
the mobile app
the online banking website

Step 5: Secure Access Code (Verification)

First Citizens Bank will send you a one-time Secure Access Code by:

Text message
Email
Phone call

Enter this code to continue.

Step 6: Registration Complete

You can now log in and use features like:

Check balances
Transfer money
Mobile check deposit
Pay bills
Zelle® money transfer
Manage cards
Set alerts

Read: Wells Fargo Wire Transfers: type of wire transfer & limits and charges

How to Deposit check on First Citizens Bank Mobile App

Depositing a check with the First Citizens Bank Mobile App (United States) is quick and straightforward. this article will walk you through it step by step so you feel confident doing it on your own.

Step 1: Log in to the Mobile App

Open the First Citizens Digital Banking mobile app.
Sign in using your username and password (or Face ID/Fingerprint).

Step 2: Go to Mobile Check Deposit

From the home dashboard, select “Deposit Checks” or
“Mobile Deposit.”

This may appear in:

The main menu
The quick actions menu
Or under “More” depending on your device

Step 3: Endorse the Check Properly

On the back of the check, write:

Your signature
“For Mobile Deposit Only at First Citizens Bank”
Your account number (if required by the bank)

This endorsement is important so the check cannot be deposited anywhere else.

Step 4: Choose the Account

Select the account where you want the money deposited, such as:

Checking account
Savings account

Step 5: You will take the Front of the check and back of the check (with the endorsement)

Tips:

Place the check on a flat, dark surface
Make sure all four corners are visible
Ensure good lighting

The app will confirm if the photo is clear enough.

Step 6: Type in the exact dollar amount listed on the check.
Step 7:Tap “Submit,” “Deposit,” or “Confirm Deposit.”

You will receive:

An on-screen confirmation
A confirmation email (in most cases)

Step 8: Keep the Check Until It Clears

Hold onto the physical check for at least a few days (usually 5–7), or until you see the deposit fully posted to your account.

Then you can safely destroy it.

Read: Bank of America wire transfers: type of wire transfer ,limits and charges

How to Transfer Money From First Citizens Bank

Here’s a clear, step‑by‑step guide on how to transfer money from First Citizens Bank (United States) using their online banking and mobile app.

1. Transfer Money Using the First Citizens Mobile AppThis is the fastest and easiest method.

Steps

Open the First Citizens Bank Mobile App and log in.
Tap Transfers.
Choose From Account (where the money is coming from).
Choose To Account (where the money is going).
Enter the amount.
Select the date (now or schedule for later).
Tap Submit.

Works for:

Moving money between your own First Citizens accounts
Sending money to external banks (after linking the account)

2. Transfer Money Using Online Banking (Digital Banking)If you prefer a computer:

Steps

Log in to First Citizens Digital Banking.
Go to Transfers.
Select Internal Transfer or External Transfer.
Enter the amount and confirm.

Works for:

Checking → Savings
Savings → Checking
Loan payments
Transfers to other banks

3. Send Money with Zelle®Perfect for sending money to friends, family, or anyone with a U.S. bank account.

Steps

Open the Mobile App or Online Banking.
Select Send Money with Zelle®.
Enter the recipient’s email or U.S. mobile number.
Type the amount.
Tap Send.

Money is usually delivered within minutes if the recipient is enrolled

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I’m a content writer with an M.Sc. in Business Administration, combining analytical business knowledge with creative writing. My work focuses on producing content that not only informs but also supports strategic objectives, helping brands connect meaningfully with their audiences

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