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First-Citizens Bank & Trust Company

For information concerning OneWest Bank, a division of First-Citizens Bank and Trust online bank, please click here .

Phone: 888 323 4732

ACH Number: 053100300

SWIFT Code: FCBTUS33XXX

First-Citizens Bank & Trust Company is an FDIC insured institution headquartered at 239 Fayetteville St, Raleigh, NC 27601.
It was founded in 1898 and has approximately $229 billion in assets. Customers can open an account at one of its 616 branches.

Deposit Rates - April 14, 2026

SAVINGS RATES APY MIN
SAV
0.10% $25 Compare
CD RATES APY MIN
5 Mo CD
3.45% $5,000 Compare
6 Mo CD
0.01% $500 Compare
11 Mo CD
5.00% $5,000 Compare
12 Mo CD
0.01% $500 Compare
18 Mo CD
0.02% $500 Compare
24 Mo CD
0.05% $500 Compare
36 Mo CD
0.05% $500 Compare
48 Mo CD
0.15% $500 Compare
60 Mo CD
0.15% $500 Compare
MM RATES APY MIN
Money Market
0.07% $25,000 Compare
Money Market
0.10% $100,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.05% $0




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11063
Date Established 1898
Assets $ 229.33 billion
Loans $ 147.16 billion
Deposits $ 162.08 billion
Capital $ 23.37 billion

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 20.31 billion
Interest-bearing balances $ 19.54 billion
Total securities $ 41.44 billion
Federal funds sold and reverse repurchase $ 232.00 million
Net loans and leases $ 147.16 billion
Loan loss allowance $ 1,566.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 120.00 million
Goodwill and other intangibles $ 532.00 million
All other assets $ 12.36 billion
     Total Assets $ 205.96 billion

LIABILITIES
Total deposits $ 162.08 billion
      Interest-bearing deposits $ 120.93 billion
      Deposits held in domestic offices $ 162.08 billion
      % insured (estimated)" 61.98%
Federal funds purchased and repurchase agreements $ 224.00 million
Trading liabilities N.A.
Other borrowed funds $ 2.70 billion
Subordinated debt $ 430.00 million
All other liabilities $ 3.24 billionn
      Total Liabilities $ 205.96 billion
      Shareholders’ Equity $ 23.37 billion

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 11.79 billion
Total Interest Expense $ 4.89 billion
Net interest income $ 6.89 billion
Provision for loan and lease losses $ 514.00 million
Total non interest income $ 2.77 billion
Total non interest expense $ 6.08 billion
Pre-tax Net Operating Income $ 576.31 million

Customer Reviews for First-Citizens Bank & Trust Company (3)

Rated 3.00 stars out of 5 - based on 3 reviews

  • May 3, 2023 |

    Something changed with CIT. They are offering a higher rate, but funding it by substantially increasing the hold times on transfers out and in. Marcus is terrible with the rates, but I can still get my money in and out fast. I thought CIT was always better. Now, less sure.

  • April 18, 2023 |

    Sorry, we can not open account for you at this time. ????

  • October 13, 2022 |

    I just banks by their hold times and this one is out of hand now. Fortunately, they do have a call back option (and they do call back much later). My prior experiences with the bank would lead to a 5-star rating, but I am giving it 4-stars because it does sometimes take hours (even with the call back).

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