Personal

If the last 18 months has taught us anything it’s that the unexpected can happen at any time, including unexpected debts due to losing a job or losing a home to a natural disaster, not to mention unforeseen healthcare costs due to the pandemic. That’s why it’s more important now than ever before to have an emergency fund. It is one of the most effective tools to prevent large-scale financial disaster. An emergency fund is an amount of money that is set aside to cover unexpected

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Tags: EMERGENCY FUND, SAVINGS

First Citizens recognizes the importance of document security and disposal. That’s why we are hosting Shred Days on Friday, September 10 and Tuesday, September 14, 2021. Click here for locations and times. You will have the opportunity to securely shred and dispose of documents that contain sensitive information. A professional shred truck will collect and shred the documents on the premises. It’s a quick, easy, and safe way to get rid of your personal documents that you’ve had

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Tags: ESTATEMENTS, IDENTITY THEFT, PERSONAL INFORMATION

.media_embed { position: relative; padding-bottom: 56.25%; padding-top: 30px; height: 0; overflow: hidden; } .media_embed iframe, .media_embed object, .media_embed embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }   For many of us, money transfer services are becoming a part of everyday life. No more writing a check or handing someone cash! The Brella™ app powered by SHAZAM offers the ability to send person-to-person (P2P)money transfers to anyone with

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Tags: BRELLA, DEBIT CARD FRAUD PROTECTION, P2P, SHAZAM

Do you have any pennies, nickels, dimes, or quarters (especially nickels and dimes)? They are in high demand due to the Fed coin distribution being restricted. Local businesses, such as grocery stores, convenience stores, and gas stations, still rely on these coins and we need your help with helping them. As mentioned in a previous blog post, the U.S. Mint is responsible for all coin production, while the Federal Reserve (the “Fed”) is responsible for keeping track of it all. If a

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Tags: COIN ALLOCATION 2021, FEDERAL RESERVE

Owning your own home has many benefits that can set you up for a healthy financial return. Take your home equity for example. Home equity is the difference between the value of your home and the remaining unpaid principal balance of your mortgage. For example, a home worth $250,000 with a principal balance of $100,000 remaining has $150,000 in equity. Borrowing against your home’s equity could free up cash for a variety of purposes. You might use the money to: Finance a home-improvement

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Tags: HOME EQUITY LINE OF CREDIT, HOME EQUITY LOAN

When shopping for a car, it's usually best to start by shopping for a car loan. When you’re shopping for a car loan, remember that what it costs you to borrow depends on three things: The finance charge, expressed as an annual percentage rate (APR) The term, or length of time the loan lasts The principal, or amount you borrow 1. The APR The APR (Annual Percentage Rate) is a percentage of the loan principal that you must pay to your credit union, bank, or other lender every

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Tags: AUTO LOANS, BORROWING AND CREDIT, BUDGETING

Enjoy amazing money saving options and everyday benefits all available through the BaZing mobile app.   Be sure to take advantage of these BaZing benefits: Roadside Assistance Cellphone Protection 1,2 ID Theft Aid 1,2 Deals (local, online shopping, hotels, car rental, or recreation) Health Savings With the app, there are also Connect Options where you can: Refer a merchant Call support Email support Connect to Facebook   If you currently do

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Tags: BAZING BENEFITS

The paper or plastic decision goes beyond the grocery store. When it comes to making a purchase, using plastic has several advantages. A First Citizens MasterCard® Debit Card (which is linked to your First Citizens Spending account) allows you to pay for purchases without writing a paper check or having to carry dollar bills. By simply inserting your debit card you can make purchases quickly and easily.   Here are 5 perks of using plastic: Purchase Rewards Earns rewards by using

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Tags: BRELLA, DEBIT CARD, KACHING, PURCHASE REWARDS, TEXT FRAUD ALERTS, USAVE

As the video shows, a rainy day fund is an amount of money set aside for life's unexpected events: INSERT VIDEO HERE When setting up your rainy day fund, there are three aspects to determine: How much money to save How to reach your savings goal Where to keep the fund Ideally, a rainy day fund is to protect yourself in the present for smaller future mishaps, not full-blown financial emergencies. (That is a whole other blog topic!) Everyone's situation is different.

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Tags: RAINY DAY SAVINGS ACCOUNT

At First Citizens, we're always looking for ways to protect our customer’s personal information. Through our Visa® provider TCM Bank, N.A. we are excited to offer a new, no-cost benefit that gives you the tools to act quickly in the event your identity is stolen.   Introducing ID Navigator Powered by NortonLifeLock*. No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can help. ID Navigator powered by NortonLifeLock

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Tags: FIRST CITIZENS VISA CREDIT CARD, ID Navigator, ID THEFT, NORTONLIFELOCK, SECURITY