Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Seamlessly move your money

Set alerts for transactions

Digital Banking

Bank from anywhere with your mobile devices

Track your spending habits

Digital Banking

Bank from anywhere with your mobile devices

Seamlessly move your money

Digital Banking

Bank from anywhere with your mobile devices

Set alerts for transactions

Home Improvement Loans

Fast access to funds for your remodel project

A quick and easy application process to remodel without using your home as collateral.
Refinancing

Looking to refinance your mortgage?

Whether you want to lower your interest rate, change terms or consolidate debt, we can help.
Personal Service

Bank associates you'll want to visit

"The world can move too fast these days. We don't rush around here. We still have time to chat. It's just more relaxed."

Sheila Sips
Chapel Hill, NC

Our Forever First Promise

Forever First® means the name on our door will stay the same for years to come.

Forever Stable

Taking care of customers—year in, year out—isn’t just our track record. It’s our promise.

Forever Family

We're one of America’s largest family-controlled banks, led for three generations by members of one family.

Bank on Customer Service

Open an Account Today

Insights

A few financial insights for your life

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Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

To qualify for as low as annual percentage rate (APR) 3.49% assumes a discount for autodraft from a First Citizens checking account, an excellent credit score and amortized over 36 months. Other terms are available at different rates. Non-promo rates range from 3.49% to 4.74% APR. Loan amount of $10,000 to $50,000. Term lengths of up to 84 months available. Borrower affirms that proceeds of the home improvement loan will be used for improvements to the borrower's primary or secondary residence. There are no origination fees or closing costs for the home improvement loan.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.