Personal

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

Read More

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

Read More

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

Read More

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

Read More

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

Read More

Tags: AUTO LOANS, BORROWING AND CREDIT, BUDGETING

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

Read More

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

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

Read More

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

Home Sweet Home. You might find the perfect home that’s move in ready, while on the other hand, the only way to get what you truly want is to build a new home from the ground up. You will need to acquire land, find a builder, develop a plan, gather cost estimates, and secure funding for the construction. Residential construction loans exist to help you build the home of your dreams. They’re distinctly different from a home loan. Here are 3 primary differences between residential construction

Read More

Tags: RESIDENTIAL CONSTRUCTION LOAN

Your credit score, also called a FICO score, is an actual number, between 300 and 850. The higher the number, the better: a score of 740 to 799 is considered very good, though the average is closer to 700. FICO is an acronym for Fair Isaac & Co., the company that is responsible for tabulating your credit score.  Each of the three main credit agencies – Experian, Equifax, and TransUnion - have a score for you based on your credit report at that individual agency. Each agency has more

Read More

Tags: APPLYING TO RENT, BORROWING AND CREDIT, CREDIT SCORE, PURCHASING A VEHICLE

In the age of cloud storage and digital recordkeeping, a safe deposit box may seem like a relic from another era. However, some items such as property deeds, original birth certificates, or family heirlooms are difficult or expensive to replace. Storing them in a safe deposit box will keep them safe and secure. Here are 5 things to think about before placing your items inside a safe deposit box. Safe Deposit Boxes are not insured. Unlike money in your bank deposit account, the contents of

Read More

Tags: SAFE DEPOSIT BOX