First Citizens BankReviews of firstcitizens.com

I've been with First Citizens for almost 40 years and I financed several cars and 2 mobile homes and never missed a payment and never made a late payment ...if anything I paid them off early. I've been disabled since 1997 so it's not like I've got a huge savings account or a rainy day fund but all these years I've never left them hanging but the past few years have been tough and my credit sucks but not my FC account because I made sure I didn't screw them because I got loans when I shouldn't have and the branch manager said I don't know why but I trust you because my debt to ratio was pretty bad but that's the reason I've always made sure no matter what because I could be in that situation again but they don't do that anymore . But my check is guaranteed to hit on the 3rd of each month and I know it's the banks discretion on going into overdraft but I've been living like that for awhile and I usually take 3 overdraft a month for a total around $1400 & I always pay the $25 for using it on each overdraft for a total of $75. I usually take the 3rd overdraft just to eat off & never a problem and I don't take more than I can put in and it's never gone 30 days before my deposit goes through and up to about 5:years ago they would call to remind that my account needed to be taken care of and I said it'll be in the bank on the 3rd...Never had a problem all through the years but now the past 3 months they've closed my account twice . I did nothing wrong I used the service I pay my overdraft fees and my deposits still come on the 3rd of the month . But now they go by an algorithm and it does it saying I'm at high risk...And I am..But it's not looking for what I've done with FCB because if it did it would show that I never missed a single payment or had to make a late payment or all the times I've used overdraft and all the money was put back in less 30 days .. Ive been a loyal customer all these years and not even once had a problem . I needed that 3rd overdraft to pay my car insurance and have money to eat on till the end of the month.. So come Wednesday night midnite my insurance will cancel which will also flag my car to be repoed ..BECAUSE LOTALTY IS GONE AND IM BASED ON A AlGORITHM . SO THANKS FOR THE SCREWING ..OH DID I MENTION THEY DIDNT GET UP WITH ME TO EVEN TELL ME MY ACCOUNT WAS CLOSED & IT WAS ONLY 5 DAYS CAME NOWHERE NEAR 30 DAYS .

Today authorized user attempted to activate card no success. Acct holder was able to access account although CS says it’s not supposed to happen since card was opened by using certain verifications. Within first month of having card acct holder called CS : rep called account holder crazy. Acct holder stated to rep your mother. Almost a year passed before being able to use app . Everyone do the math.

Switching my business banking to First Citizens Bank has been one of the most frustrating business decisions I’ve made. For a bank that claims to support small businesses, the level of service has been unacceptable. Local representatives don’t answer, business lines go unanswered, and customer service offers little to no real solutions. The entire experience feels outdated, inefficient, and disconnected from what modern businesses actually need. As a business owner, I need a banking partner that values time, communication, and urgency. Unfortunately, that has not been my experience here. If I could go back, I would have never made the switch.

After 8 months, I have finally managed to close my ailing sister's account and obtain for her the $5,000+ in it. A tiny amount for FCB, but not for her. This dreadful"bank" shows utter contempt for its "valued clients". Avoid it like the plague. It clearly has a cynical policy of stalling any attempt to pay out. We had to pay over $250 just to regain her hard-earned rightful property, and FCBB blandly refused any compensation. Good riddance to bad rubbish!

Went to a car dealership to buy a 2020 used car. We were only going to finance $13,000 after a 20% down payment. We told them we wanted to go with Capital One but the finance manager said he likes to check at least two banks. I wasn't happy that he did that because then it shows up on your credit report for at least 2 years. Capital One immediately offered us a 6.01% interest rate due to a credit score of 785, NO late pays, NO over the limit on any credit card ever, own our home with a ton of equity in it, great annual income, and 30 years of credit history. We got a letter of denial from these incompetents in the mail a week later. I didn't want the dealership to check with any other bank in the first place and now I have to get this insulting letter in the mail. I have NEVER been turned down for a loan in my life. They obviously have AI or people with zero experience making these decisions. Stay away!

"HORRIBLE" does not even begin to describe just how incompetent and dysfunctional this bank is. STILL WAITING for an online transfer to clear. I was transferred back and fourth FOUR TIMES (branch to customer "service," customer "service" back to the branch, back to customer "service," back to branch). In all that waste of time, not a single answer. No one had the capability of even finding the transfer. I offered to send a screen shot documenting the transfer but was told they can't even manage to receive an email.

I had no problem with this bank until they started to acquire other banks. I've been a customer of their since I was 16. In the last year, I had support delete my account, lock me out due to mishearing a question on the phone, and just a general lack of competency with basic updates. I called to update my address and did so online and now 10 months later they are still sending mail to the incorrect address. They are also not notifying me when my bill is due just after it has passed even though all of my account notifications are on. This bank is an embarrassment I wouldn't trust them with your funds any longer. I've moved my funds to a credit union and have gotten exceptional service, better rates, and a much more responsive online platform.

Wish I would’ve chose someone else for my home loan. Not only that, their website is extremely hard to navigate if you can get on at all.