First Citizens Digital Banking gives you a powerful, comprehensive set of mobile banking tools that work across all your devices – mobile phone, tablet, and computer. Log in from your Apple device quickly and securely using Face ID, touch ID or a 4-digit PIN. To enable this feature, go to Profile and Preferences and then Log In Preferences.

First Citizens Digital Banking helps consumer and business customers:

• View your accounts and transaction history
• Deposit checks from your mobile device
• Pay bills, view eBills and make internal transfers
• Manage your credit and debit cards easily and quickly with our Manage Cards feature - change your PIN, report upcoming travel, freeze or unfreeze a card, report a stolen card and more
• Send money directly to other First Citizens Digital Banking customers with Pay Bank Customer
• Receive account and security alerts via text or email
• Access your checking, savings and credit card statements faster and more securely

Consumer customers can also:
• View your complete financial picture by linking all your accounts (even those with other financial institutions), track spending patterns, create budgets, understand your net worth and manage expenses, all in one place
• Send person-to-person transfers to anyone using an email address or mobile number with Pay People
• Transfer funds to accounts you have at other financial institutions
• Consumer loan, credit card and mortgage customers can view FICO® Scores

Business customers can also:
• Set up multi-user access - customize and designate access to employees who are helping manage the company's finances
• Send domestic wire transfers
• Send payments via ACH

About First Citizens Bank:
Founded in 1898 and headquartered in Raleigh, N.C., First Citizens Bank provides banking and financial services to consumer and business clients through a network of over 600 ATMs and more than 500 branches in 19 states. For more information, visit First Citizens Bank. Forever First®.

Fees: First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.

Copyright © 2019. First Citizens Bank. Member FDIC. Equal Housing Lender.

What’s New

Version 3.0.5409

•Performance enhancements and bug fixes
•Log In using Touch ID, Face ID or 4-digit pin
•Take control of your finances with Manage My Money℠ Financial Management tools, including the ability to add non First Citizens accounts, track your spending, create budgets, manage your debt, monitor your net worth and more (consumer only)
•View your FICO® Score (consumer loan, mortgage and credit card customers only)
•Business customers can use the Manage Cards feature to report upcoming travel for debit and credit cards

Ratings and Reviews

4.4 out of 5
4K Ratings
4K Ratings
AnalyticalNotCritical ,

Provides Good Utility but could be so much more

I’ve been a First Citizens customer for over 40 years. There have been a few bumps in the road but overall they have provided great service. I was very excited when the site was announced. I was ready to dump Mint, Quicken and other methods. The online tool certainly provides the necessary banking functions. I wish there were three additional tools. First I wish there was a view in the check register that included a running balance and a place for more details on the purchase. Yes a little old school but it would be helpful when there is the rare discrepancy. Secondly, a budget tool that tracked spending with a report that can be printed. Again a little old school but would help track business, tax filing and vacation related expenses. Finally and more related to purchases and not online banking but text alerts for unusual debt card usage. Having recently had a fraudulent charge it would be nice to have the option to approve debt card useage via a text response. Common recurring expenses that are tied to the card could be pre-approved. But a purchase over a certain amount would trigger a text asking for approval before the charge is processed.

BigSxzy ,


One star. The app is terrible. If I’d have known that First Citizens didn’t have a better mobile banking app than what’s offered I’d have never opened an account with this bank. It’s that bad. What’s actually in my account never matches what the app shows. And yes I balance my account regularly. And no the bank can’t explain why this is an issue. Was in the bank just last week over this exact issue. Only resolution I get offered is, “We can open an investigation.” Yet nothing ever comes from that option. If you go out to eat and leave a tip on your card, the tip will NEVER EVER show up as being charged on your card, just the cost of the meal. So there is always THAT discrepancy hanging out there also. Which just adds to the original issue of what’s actually in your account never matching what the bank says is in your account. Horrible app. Horrible bank. I’m already looking to move my money. Again.

MissNapoleon ,

Slow on trends, but reliable

I’ve been a member of First Citizens bank for probably 20+ years. I’ve taken advantage of online banking and mobile banking as soon as they came available. I patiently awaited the apps’s ability to use fingerprint to sign in, which was MUCH later than other banks, but it finally came and I’ve been happy. I love that we’re always aware of when maintenance will be done & what functions will be unavailable. The only additional feature I can think of that would be beneficial is credit score monitoring. Most other banks provide that as well & progress tracking can be viewed via the app. I hope that is coming soon


First Citizens Bank
42.1 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, Simplified Chinese, Spanish, Traditional Chinese

Age Rating
Rated 4+
© First Citizens Bank


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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