Personal

Financial literacy is very important to us at First Citizens Bank. That is why we have partnered with Banzai, an innovative online program, to offer FREE hands-on financial learning! We believe there is something in this program that everyone can learn. Banzai provides personal financial education courses that include pre-tests and post-tests. Banzai Courses use real-life scenarios to demonstrate the power of good financial planning. The modules are self-paced, fun, interactive, and age-appropriate*.

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Tags: FINANCIAL EDUCATION

With rising costs each year, being prepared for medical expenses is nothing to sneeze at. It’s well worth exploring your health insurance options. A health savings account (HSA) can be a valuable tool to help you manage your health care costs and plan for your future. HSA’s were created so that individuals covered by high deductible health plans could receive tax-preferred treatment for the money they save for medical expenses.* These eligibility requirements include: The account

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Tags: HEALTH SAVINGS ACCOUNT, HSA, PERSONAL FINANCES, RETIREMENT

In today’s busy world, the ability to do things online is priceless. That includes banking. Opening a brand new bank account online with First Citizens is quick. It takes around 10 minutes — much faster than visiting one of our physical branch locations in person. From our website, we make applying for a bank account engaging, intuitive, and as hassle-free as possible. Before we get into all of that though, you need to meet the following eligibility requirements: Be a US resident

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Tags: ONLINE ACCOUNT OPENING, OPEN CD ACCOUNT ONLINE, OPEN CHECKING ACCOUNT ONLINE, OPEN SAVINGS ACCOUNT ONLINE

Humans are fallible—sometimes we just need guidelines. If you struggle making sense of a sea of budgeting systems and apps, consider the 50/30/20 rule. The 50/30/20 rule states that your after-tax income should be roughly divided three ways: 50% to needs 30% to wants 20% to long-term savings The 50/30/20 rule is not gospel and it's not a law. It's a guard rail around your spending and savings decisions. Here's a tool to help you see how much of your monthly income

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Tags: 50/30/20 RULE, BUDGETING, SAVINGS

Did you know that you can take control of your finances by using a First Citizens debit card? It’s true! Having a debit card eliminates the "Do I have enough cash with me?" worry and so much more. With a debit card, you can enjoy the following features and benefits: Contactless Payments/Digital Wallet No need for germy cash! Simply use your FC debit card from your digital wallet that is located on your smartphone, smartwatch, or tablet.   Purchase Rewards Earns rewards

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Tags: BUSINESS DEBIT CARD, DEBIT CARD

Checkups. We all know that you can visit with a doctor for a physical checkup to make sure all is well. But did you know you can also visit with a personal banker at First Citizens for a Digital Checkup? It's easy! Simply call to set up a meeting (over the phone, virtual, or in person) to review the bank products and services you already have, then find out if there are any new services you could be utilizing. Is a digital checkup important? Well, here are the top five reasons why getting a Digital

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Tags: DIGITAL BANKING TOOLS, FINANCIAL WELLNESS

First Citizens recognizes the importance of document security and disposal. That’s why we are hosting Shred Days on August 31 and September 4, 2020. 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 at your house. Due

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Tags: ESTATEMENTS, IDENTITY THEFT, PERSONAL INFORMATION, SHRED DAY

Since the beginning of social civilization, people have held meetings in some form or another. One could argue the first “meetings” took place around a campfire, discussing plans to hunt for food or how to create a wheel. In today’s world, we can use video conferencing to see a doctor, take a class, or talk to family and friends. The list goes on and on. However, the technology behind modern-day video conferencing took decades to develop. Here is an interesting history timeline

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Tags: VIRTUAL MEETINGS

Do you have any pennies, nickels, dimes, or quarters? Right now they are in high demand due to the reduced flow of coins through the economy. Is the COVID-19 pandemic coin disruption equivalent to the toilet paper shortage we have recently gone through? What can be done about it? Before answering these questions, it’s helpful to know 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

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Tags: COIN SHORTAGE 2020

As we all adjust to the “new normal” in the way we live due to the coronavirus outbreak, this also includes adjusting to the way we bank. It’s no secret that our drive-thrus are seeing more and more customers visiting to complete a variety of transactions. But these transactions go beyond simply cashing a check or making a deposit. Do you know all of the things you can do in the drive-thru? In the drive-thru you can: Make Loan Payments. Home loans, car loans, you name

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Tags: DRIVE-THRU SERVICES