First Citizens BankReviews of firstcitizens.com

I am a small business owner and I have a business checking account. I have read most of the reviews and I have to say they are all spot on. Transferring funds takes way too long in the year 2026 and I just discovered that first citizens bank has been charging me $1 per Zelle transaction, this is how I pay my employees. So I go back through my statement and discover not only have they been charging $1 per Zelle transaction for years, this fraudulent bank doesn’t even display the transaction on your account ledger. You have to go into the account statement and download the PDF to even see all the transactions. Shame on you First Citizens Bank for being sneaky with hidden charges. Once I line up a new business bank I will leaving

7/2/26 I called First Citizens regarding a need for a claim to be opened against a company due to a need for a chargeback. Banks can reverse a payment if you used a credit card or debit card for an issue such as mine which was due to: Defective or Misrepresented service The product or service significantly different from what was described defective or broken. Since this was the case with me. I did on my own the first steps which was to: Try the merchant first: which I did. I contacted the business through multiple emails as a first to attempt a resolution. I also text messaged multiple times my concerns and have their documented replies. I Documented my attempts (emails, screenshots, call logs). People typically have 120 days or more to file a dispute. I Provided evidence by emailing the receipts and proof that the item/service was not received. The 1st claim opened was by a woman who barely spoke English & she entered it wrong. 2nd claim cancelled 1st, tried again a man that barely spoke English clearly in another country. Called again, 3rd claim cancelled 2nd claim. Got a call from the bank to verify 3rd claim, correction, to discover another incometant documentor and canceled 3rd claim to open a 4th claim. By now the bank is like whats going on. So they Lock my account. I get the provisional charge back credit for corrected 4th claim but now my account is locked and I am being locked out of my account. Called and harrassed by the bank for doing, this. I have no idea why they are on top of me about this when I am the one suffering and needing my dog to get specialist care from a diff dr. I call 7/12/16 to complain and provide verbal clarification I am told tomorrow it will unlock it was locked as a security, but they were gonna remove it. I call 7/13/26 to follow up why account still locked, get the same run around. 7/14/26 Reached out again to the CEO and Joy Fisher, called me from bank Fraud department to get my clarification that all is good, she told me she would communicate with team to unblock my account/3 hrs later, account still blocked. I need my account. They know I am disabled, and now it is starting to feel a lot like descrimination. They asked me a lot about a previous claim for a item that got reversed did I tell the bank I got the credit back I said yes, the lady then replies with why did younot tell the bank I am trying to explain to her that I did but not by phone call but she is yelling at me on the phone bc she has herself on speaker phone. I need this resolved today by 4pm!!!! I neeedd access to my account. I feel like my freedom has been hyjacked due to incompetant claim intake people bc they are working from foreign countries with poor phone systems not compatible with the systems in the USA. Why do I have to suffer?

The list of complaints is many and varied. I have dealt with this bank for the past nine years and used a checking account for paying bills and moving money from and to other banks. I currently have business relations with three other banks and have dealt with many over the years. First Citizens Bank has the worst customer service of any bank I’ve ever dealt with, bar none. They can’t seem to do even the simplest thing right, like closing the account. Adding insult to injury they tried to charge me a fee to close my account.

As a First Citizens bank customer for the past 23 years, I am telling you STAY AWAY from this bank! Had a fraudulent entry on two of my credit cards earlier this month. The credit cards took care to nullify the entries. I then called FCB and informed them that my Business Visa was potentially involved as well. Was told that since there was no fraud at the time, that they would monitor my account and prevent any unusual entries. A week later and $4500+ later in two fraudulent entries, I contacted the bank. Now one week after notifying them, I am still waiting for my money to be replaced. Do not trust their Zero fraud liability claim. I will be closing all my accounts once the money is replaced. Poor customer service!

I haven't used my account in a couple of months. I opened an account with another bank because First Citizens does not have a location in Burlington, NC. I signed in online and this bank thinks they are entitled to my hard earned money. I maintained a balance > 1k, but they are deducting $18 per month (I assume for inactivity). I will close my account and good riddance to this unethical bank!!!

Totally bad experience when I switched my phone number. I will be changing to SECU. They were not helpful and kept connecting me to a bot. Thanks for your reply on this website as it feels quite for show. I have asked for a reply on your app and never received due to multiple $25 and $5 charges that were never discussed during my sign on. Im happy to screenshot those if that is helpful.

Took money out of my account put it in the negative made me pay fees and some they charnge my account on my app when I called them verified many many times like to ever get past that they said fist thing after that it's your fult they said and going to do nothing about issues at hand now they changed my password will not let in told them and I couldn't get in it they tried to over look it and said I didnt say anything about it

Terrible Experience, Poor Customer Service, Doesn't return phone calls in a timely manner, Does not follow through with documentation, Poor English Communication, Several Mistakes on the Loan Status Update and Closing Information, Doesn't reveal Terms of Mortgage Loan until it's too late to change anything, Evasive in communication.