Personal

Realizing your dream home probably requires obtaining a mortgage. But what if you want to build your dream home on a specific lot of land, build an addition, or tackle a major renovation? If this sound appealing to you, you may want to consider getting a residential construction loan that’s designed to help you with home construction financing. This type of loan is a short-term loan up to eleven months and is used to pay for the cost of building or remodeling a home. It allows for multiple

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Tags: RESIDENTIAL CONSTRUCTION LOANS

Money Management within online banking can help you create a complete picture of your financial accounts. It’s free, secure, and easy to use.   Watch this video to learn where it is located within Online Banking on a computer and on a cell phone: As mentioned in the video, most outside accounts can be added including checking and savings accounts, investments, credit cards, loans, mortgages and other lines of credit. You can even customize them for easy identification!

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Tags: MONEY MANAGEMENT

A credit card may seem like just another tool to help you make purchases, but it can be much more. When used responsibly, a credit card can help you build a good credit history. This could allow you to get loans at favorable interest rates, insurance with lower premiums, or better pricing with a cellular plan. The use of a credit card is directly connected to your credit score, the report card for borrowers. The responsible way you handle your credit card is recorded in your credit history for

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Tags: VISA CREDIT CARD INCENTIVES

First Citizens Bank is committed to bringing the most up-to-date products and services to our customers. As we begin the New Year, this is a perfect time to take control of your finances and set some savings and budgeting goals for 2020. One way to do this comes FREE with First Citizens Online Banking, and is called Money Management. Money Management allows you to see a holistic picture of your finances all in one place. You can link any outside bank accounts, loans, credit cards, retirement

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Tags: MONEY MANAGEMENT

Discouraged about not having enough money for your holiday season expenses? This most wonderful time of the year can put a strain on anyone’s wallet. Take the pressure off next year’s holiday season by setting money aside early with a Christmas Club account.  Here are 5 great features about this interest earning savings account:* There is no minimum opening deposit. There are no service fees! Deposits can be made in any amount at any time. Interest is calculated on

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Tags: CHRISTMAS CLUB ACCOUNT

Did you know that First Citizens Bank can help you with your holiday shopping? Are you in need of a perfect gift for someone on your Christmas list? Well, look no further than First Citizens! Here are three great reasons to purchase Mastercard® gift cards from us: Reason #1: They make great gifts and are available in a variety of designs (including holiday)! They can have a value in any amount from $10 up to $1,000!* It’s a gift you won’t have to worry about the recipient returning.

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Tags: Gift Card Advantages

This year the Thanksgiving holiday lands on November 28th (the very last Thursday in November). It is a day to be thankful for family, caring friends, and all the things in life that we are blessed to have. At First Citizens, we are thankful for all the wonderful friends, coworkers, customers, community members, and readers of this blog. Giving thanks is good because reflecting on and expressing thanks for the good things in your life can give you a happiness boost. But how do you get into the

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Tags: CULTIVATE GRATITUDE

If you’re a veteran who is thinking of purchasing a home or refinancing the home you have, you may want to consider a VA loan instead of conventional financing. This government loan program was created to help current and former U.S. military service members, active-duty personnel, reservists, and eligible surviving spouses become homeowners. There are some key benefits of a VA loan: In most cases, you can buy a home with no down payment. VA loans are one of the last zero-down home

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Tags: VA LOANS

November is Financial Aid Awareness Month! It’s time for those attending college during the 2020-2021 academic year to start thinking FAFSA. FAFSA is the Free Application for Federal Student Aid. It’s the form to fill out (using 2018 tax and financial information) in order to apply for student grants, work-study, and loans. Here are 5 things you should know about financial aid this month: 1. Total College Costs You should be able to determine average costs for the upcoming

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Tags: FINANCIAL AID AWARENESS

Debit cards, debit cards, debit cards! A debit card can make everyday transactions very easy. First Citizens has a variety of debit cards to choose from: MasterCard® Debit Card, My Pic Photo Debit Card, or My Pic ID Debit Card. If you've never used a debit card before, or are thinking about getting one, here are our top five reasons why you should. No Need for Checks. Writing checks is time-consuming and is quickly becoming an antiquated payment method. Debit cards essentially do

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Tags: FIRST CITIZENS DEBIT CARD