First Citizens Bank Near Me

First Citizens Bank (legally First-Citizens Bank & Trust Company) is a Raleigh, North Carolina-headquartered regional bank with approximately 550 branches across 23 US states after two of the largest US bank acquisitions of the past five years. First Citizens acquired CIT Group in January 2022 (a $60 billion combination) and acquired Silicon Valley Bank (SVB) from the FDIC on March 27, 2023, after SVB’s failure (taking on approximately $72 billion in assets and $56 billion in deposits). The bank is family-controlled by the Holding family, who has led First Citizens for three generations since 1935; the current Chairman and CEO is Frank B. Holding Jr.. The parent company, First Citizens BancShares, Inc., trades on NASDAQ under ticker FCNCA, and combined assets are approximately $220 billion, putting First Citizens among the 20 largest US banks.

Map of First Citizens Bank locations near me

Use the First Citizens branch locator below to find the nearest First Citizens Bank in your location, with branch hours, services, and contact details. The map covers all First Citizens Bank branches and ATMs across the 23-state retail footprint (concentrated in the Southeast, plus the former CIT and SVB market expansions). You can click ‘Use my location‘ to view branches and ATMs around you on the map.

First Citizens Bank at a glance

• Official name: First-Citizens Bank & Trust Company (commonly First Citizens Bank, or just First Citizens)
• Parent company: First Citizens BancShares, Inc. (NASDAQ: FCNCA)
• Founded: 1898 in Smithfield, North Carolina (originally Bank of Smithfield)
• Holding family control: three generations since 1935 (R.P. Holding, then Frank B. Holding Sr., now Frank B. Holding Jr. as Chairman and CEO)
• Headquarters: 4300 Six Forks Road, Raleigh, North Carolina 27609
• Branches: approximately 550 across 23 US states (post Silicon Valley Bank acquisition)
• Total assets: approximately $220 billion
• Primary routing number: 053100300 (North Carolina; varies by state of account origination)
• Major acquisitions: CIT Group (January 2022, $60 billion combination), Silicon Valley Bank (March 27, 2023, from FDIC)
• Customer service: 1-888-323-4732 (888-FC DIRECT), Monday to Friday 8:00 AM to 9:00 PM ET; Saturday and Sunday 8:00 AM to 8:00 PM ET; automated services 24/7
• Brand line: “Forever First”
• FDIC insurance: yes, deposits insured up to $250,000 per depositor, per insured bank, per account ownership category

First Citizens Bank branch near me

First Citizens Bank operates approximately 550 retail branches across the United States, with the densest concentration in the original North Carolina home market and expanding outward through the historic Southeast footprint plus the new states added by the CIT and SVB acquisitions. Use the official First Citizens branch locator at firstcitizens.com/locations to find a branch with addresses, phone numbers, hours, services, and a map.

First Citizens Bank in North Carolina (the home state)

North Carolina is First Citizens’ home and densest market, with the largest branch concentration in the state. The bank is headquartered in Raleigh at 4300 Six Forks Road, with the downtown branch at 239 Fayetteville Street being one of the most historic locations (in the early 20th century the bank was a major lender to North Carolina farmers and small-town business). Heavy First Citizens branch concentrations are in Raleigh, Durham, Chapel Hill, the Triangle, Charlotte, Wilmington, Asheville, Greensboro, Winston-Salem, Fayetteville, and many smaller North Carolina cities and towns. First Citizens is the largest North Carolina-headquartered bank, ahead of even the major banks (Bank of America and Truist) that are headquartered in Charlotte.

First Citizens Bank in South Carolina

South Carolina is First Citizens’ second-largest historic market, with branches across the state including Charleston, Columbia, Greenville, Spartanburg, Rock Hill, Myrtle Beach, Hilton Head Island, and Anderson. Many South Carolina First Citizens branches were added in the 1990s and 2000s as the bank expanded south from its North Carolina base.

First Citizens Bank in Virginia and West Virginia

The Virginia footprint includes Virginia Beach, Norfolk, Richmond, Roanoke, Charlottesville, Lynchburg, Arlington, and Fairfax. West Virginia branches are concentrated in Charleston (the WV capital), Huntington, and Morgantown.

First Citizens Bank in Florida and Georgia

Florida branches span Jacksonville, Orlando, Tampa, Naples, and Sarasota. Georgia branches concentrate in Atlanta and the surrounding metro plus Savannah and Augusta.

First Citizens Bank in California and the West Coast (post-SVB)

The March 2023 Silicon Valley Bank acquisition gave First Citizens a major California footprint, particularly in Silicon Valley and the San Francisco Bay Area: Palo Alto, Menlo Park, San Jose, Mountain View, Sunnyvale, Cupertino, Santa Clara, downtown San Francisco, San Mateo, Walnut Creek. SVB branches were rebranded as “Silicon Valley Bank, a Division of First Citizens Bank” since 2023; the SVB name is being retired in Q4 2026 with the unit becoming First Citizens Innovation Banking. Additional West Coast presence includes Seattle, Bellevue (Washington), and Portland (Oregon).

First Citizens Bank in Texas, Arizona, Colorado, and Nevada (Western US footprint)

Texas branches include Dallas-Fort Worth, Austin, Houston, and San Antonio. Arizona includes Phoenix, Scottsdale, and Tucson. Colorado covers Denver and Boulder. Nevada includes Las Vegas and Reno. Many of these were added through CIT or SVB acquisitions.

Other First Citizens Bank states

First Citizens also operates branches in Tennessee, Kentucky, Oklahoma, Missouri, Kansas, New Mexico, Utah, Oregon, Maryland, and DC. The complete state list is at the official locator at firstcitizens.com/locations.

First Citizens Bank ATM near me

Use the First Citizens ATM finder to find the closest First Citizens ATM machine around you. First Citizens operates approximately 550+ ATMs at its branch locations and additional standalone ATMs in many of its core markets. Most First Citizens branch ATMs are accessible 24/7 even when the branch lobby is closed.

Fee-free ATM access for First Citizens customers

• First Citizens branded ATMs: First Citizens checking and savings customers can use any First Citizens ATM fee-free for withdrawals, deposits, and balance inquiries.
• Out-of-network ATMs: using a non-First Citizens ATM may incur a fee from First Citizens (depending on the account type) plus the ATM operator’s surcharge. Some First Citizens premium account tiers (such as Premier Checking) refund a limited number of out-of-network ATM fees per statement cycle.
• Drive-up ATMs: many First Citizens branches have drive-up ATMs accessible 24/7. These are useful in suburban North Carolina, South Carolina, Virginia, and Florida markets.
• Deposit ATMs: most modern First Citizens branch ATMs accept cash and check deposits without an envelope, with funds typically available the next business day.

First Citizens Bank distinctive features

The Holding family and “Forever First”

First Citizens is one of the very few large US banks that remains continuously family-controlled. The Holding family has led First Citizens for three generations since R.P. Holding became the bank’s leader in 1935. Frank B. Holding Sr. led the bank from 1935 to 2008; Frank B. Holding Jr. has been Chairman and CEO since 2008. The “Forever First” brand line reflects this long family commitment and is unusual among regional banks of First Citizens’ size. The family-controlled structure has shaped First Citizens’ conservative balance-sheet approach and its willingness to acquire troubled banks during economic stress.

The FDIC-acquired bank franchise

First Citizens has developed a distinctive franchise as an acquirer of FDIC-failed and FDIC-assisted bank deals, often called the “Forever First” or “loss-share” strategy. Over the past 15 years, First Citizens has acquired more than a dozen failed or distressed US banks, often at favorable terms negotiated with the FDIC. The two largest of these were the CIT Group combination in 2022 and the Silicon Valley Bank acquisition from the FDIC on March 27, 2023, just 17 days after SVB’s collapse. The SVB deal added approximately $72 billion in assets, $56 billion in deposits, and a major Silicon Valley innovation-banking franchise to First Citizens at terms widely viewed as favorable to First Citizens shareholders.

Silicon Valley Bank brand transition (Q4 2026)

Since the 2023 acquisition, First Citizens has operated the SVB unit as Silicon Valley Bank, a Division of First Citizens Bank, preserving the SVB brand and customer relationships during integration. In Q4 2026, First Citizens is retiring the Silicon Valley Bank brand and rebranding the unit as First Citizens Innovation Banking. Related rebrands: SVB Global Fund Banking becomes First Citizens Fund Banking; CIT Commercial Services becomes First Citizens Bank; the SVB Wine Division becomes First Citizens Bank. The SVB name will no longer exist as a brand by the end of 2026.

First Citizens Bank by state and major branch markets

The 23-state First Citizens footprint covers most of the Southeast, the South-Atlantic, and now major Western and California markets after the SVB acquisition. States with the largest First Citizens branch presence:

Additional states with First Citizens branches: Kentucky, Oklahoma, Arizona, Colorado, New Mexico, Nevada, Oregon, Washington, Utah, Kansas, Missouri. The bank does not currently operate retail branches in the Northeast (New York, New Jersey, Pennsylvania, Massachusetts) or the Upper Midwest (Wisconsin, Michigan), so customers in those markets typically need to use First Citizens online and mobile banking. For the official state list, see firstcitizens.com/locations.

First Citizens Bank hours, Saturday hours, and open now

First Citizens Bank branch hours vary by location, but most branches follow this typical schedule:

First Citizens Bank branches are closed on the standard 11 US federal holidays. ATMs at all branches are available 24/7 even when the branch is closed. For exact hours at your specific branch, use the official First Citizens locator at firstcitizens.com/locations. Customer service is reachable by phone with separate banking and digital banking lines (see the Contact section below).

Federal holidays:

• New Year’s Day (January 1)
• Martin Luther King Jr. Day (third Monday of January)
• Presidents Day (third Monday of February)
• Memorial Day (last Monday of May)
• Juneteenth National Independence Day (June 19)
• Independence Day (July 4)
• Labor Day (first Monday of September)
• Columbus Day (second Monday of October)
• Veterans Day (November 11)
• Thanksgiving Day (fourth Thursday of November)
• Christmas Day (December 25)

Is First Citizens Bank open now near me? Most First Citizens branches keep weekday business hours (9 AM to 5 PM or 6 PM) plus Saturday morning hours at many locations. ATMs at all branches are available 24/7. The First Citizens Bank phone customer care line (1-888-323-4732) is open Monday to Friday 8 AM to 9 PM ET and weekends 8 AM to 8 PM ET. Automated phone services and the mobile app handle routine banking 24/7. See our Banks Open on Holidays Near Me page for the full federal holiday schedule.

Contact First Citizens Bank: customer service phone numbers

• First Citizens Bank Customer Care (main line, FC Direct): 1-888-323-4732 (Monday to Friday 8:00 AM to 9:00 PM ET; Saturday and Sunday 8:00 AM to 8:00 PM ET); automated phone services available 24/7
• Lost or stolen debit card (during business hours): 1-800-423-1602
• Lost or stolen debit card (after business hours, SHAZAM): 1-800-383-8000 (24/7)
• Debit card activation: 1-800-562-1337 (24/7)
• Suspected fraudulent activity on a debit card: 1-866-279-1399
• First Citizens Online Banking and digital support: 1-888-FC DIRECT (1-888-323-4732, same as main line)
• First Citizens Mortgage Servicing: 1-888-422-2865
• First Citizens Wealth Management: contact your dedicated wealth advisor; general inquiries via the main customer care line
• First Citizens Business Banking: contact your dedicated business banker; general inquiries via the main customer care line
• First Citizens Innovation Banking (former SVB): 1-800-774-7390 (existing SVB customers; transitioning during the Q4 2026 rebrand)

The 24/7 SHAZAM line at 1-800-383-8000 is the after-hours number for reporting a lost or stolen debit card; SHAZAM is a third-party debit-card-processing network used by many community and regional banks including First Citizens. The same number is used by many other small and mid-size US banks, so be sure to mention First Citizens when calling.

About First Citizens Bank: history and the major acquisitions

1898 to 1935: Founding in Smithfield, North Carolina

First Citizens Bank was founded in 1898 in Smithfield, North Carolina, as the Bank of Smithfield, a small community bank serving the agricultural economy of Johnston County, North Carolina (about 30 miles southeast of Raleigh). The bank survived the bank failures of the 1920s and the Great Depression, in part because of conservative lending practices. The bank was renamed First-Citizens Bank & Trust Company in 1929.

1935 onward: The Holding family era

In 1935, R.P. Holding became the bank’s leader, beginning a three-generation family control that continues today. Under the Holding family, First Citizens grew steadily through both organic expansion in North and South Carolina and through acquisitions of smaller community banks. Frank B. Holding Sr. led the bank from the mid-20th century through 2008. Frank B. Holding Jr. took over as Chairman and CEO in 2008 and continues to lead the bank.

The FDIC-acquired bank strategy (2009 to 2022)

Beginning during the 2009 financial crisis and continuing through the 2010s, First Citizens developed a distinctive franchise as an acquirer of FDIC-failed and distressed banks. The bank acquired more than a dozen smaller troubled banks during this period, often at favorable terms negotiated with the FDIC under loss-share agreements. This strategy gave First Citizens an unusually large acquisition expertise that proved valuable for the major deals to come.

January 2022: The CIT Group combination

On January 3, 2022, First Citizens completed its all-stock combination with CIT Group, a major US commercial lender, equipment leasing company, and consumer-deposit bank. The deal was structured as a “merger of equals” but operationally was First Citizens acquiring CIT; the combined company kept the First Citizens name, the Raleigh headquarters, and the Holding family leadership. CIT added approximately $61 billion in assets, a substantial commercial-lending franchise, the OneWest Bank Southern California retail deposits, and a national equipment-finance business. The combination roughly doubled First Citizens’ size at the time.

March 2023: The Silicon Valley Bank acquisition

On March 10, 2023, Silicon Valley Bank (SVB), the dominant US bank for venture-capital-backed startups, was closed by California regulators after a deposit run; it was the largest US bank failure since the 2008 financial crisis. The FDIC took SVB into receivership and sought a buyer. On March 27, 2023, just 17 days after the SVB failure, First Citizens announced it had agreed with the FDIC to acquire approximately $72 billion of SVB’s assets and $56 billion of its deposits at a discount, plus an FDIC loss-share agreement on commercial loans. The deal made First Citizens the dominant US bank serving the venture-capital and startup ecosystem and added approximately $110 billion in total assets to the First Citizens balance sheet. First Citizens shareholders received what analysts widely viewed as one of the most favorable FDIC-assisted acquisitions in recent US banking history.

2023 to 2026: SVB integration and Q4 2026 brand transition

From 2023 to 2026, First Citizens operated the acquired SVB unit as Silicon Valley Bank, a Division of First Citizens Bank, preserving the SVB brand and customer relationships during integration. In Q4 2026, First Citizens is retiring the SVB brand and rebranding the unit as First Citizens Innovation Banking. Similar transitions: SVB Global Fund Banking becomes First Citizens Fund Banking; CIT Commercial Services becomes First Citizens Bank; the SVB Wine Division becomes First Citizens Bank. The SVB name will no longer exist as an active US bank brand by the end of 2026.

Frequently asked questions

Where is the Nearest First Citizens Bank Branch Near Me?

Use the official First Citizens branch locator at firstcitizens.com/locations and enter your ZIP code or city. The locator returns nearest branches, addresses, phone numbers, lobby and drive-up hours, available services, and a map. First Citizens operates approximately 550 branches across 23 states, with the densest concentration in North Carolina, South Carolina, Virginia, Florida, and California (Silicon Valley and the Bay Area after the SVB acquisition).

How to Find the Closest First Citizens Bank ATM Around Your Location

Use the First Citizens ATM finder at firstcitizens.com/locations to find the closest First Citizens ATM machine around you. First Citizens operates approximately 550+ ATMs at branches and additional standalone locations across its 23-state footprint. ATMs at branches are typically accessible 24/7 even when the branch is closed.

Use the Map to See Locations of First Citizens Bank Around You

The map on this page shows First Citizens Bank branches and ATMs near your location. First Citizens has the densest branch concentrations in North Carolina (the home state), South Carolina, Virginia, Florida, California (Silicon Valley and the Bay Area, post-SVB), Texas (post-CIT and SVB), and other Southeast states.

Is First Citizens Bank the same as Silicon Valley Bank?

Since March 27, 2023, yes. Silicon Valley Bank was acquired by First Citizens from the FDIC after SVB’s collapse, and SVB has operated as Silicon Valley Bank, a Division of First Citizens Bank for approximately three years. In Q4 2026, First Citizens is retiring the SVB name and rebranding the unit as First Citizens Innovation Banking. Existing SVB customers continue to receive service from the same teams and through the same channels; the brand change is gradual and will be complete by year-end 2026.

What is the First Citizens Bank customer service phone number?

The main First Citizens customer care line is 1-888-323-4732 (888-FC DIRECT), available Monday to Friday 8:00 AM to 9:00 PM ET and Saturday and Sunday 8:00 AM to 8:00 PM ET. Automated phone services are available 24/7. For a lost or stolen debit card during business hours, call 1-800-423-1602; for after-hours, call SHAZAM at 1-800-383-8000 (24/7). For debit card activation, call 1-800-562-1337. For suspected fraud, call 1-866-279-1399. For mortgage servicing, call 1-888-422-2865.

What is the First Citizens Bank routing number?

The primary First Citizens routing number is 053100300 (tied to the North Carolina headquarters and the Federal Reserve Bank of Richmond). However, First Citizens uses different routing numbers depending on the state where you opened your account. To find your specific routing number, check the bottom of your checks, log in to First Citizens Online Banking, look in the First Citizens mobile app under account details, or call customer care at 1-888-323-4732.

Is First Citizens Bank FDIC insured?

Yes. First-Citizens Bank & Trust Company is FDIC insured. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category. The SVB Division accounts inherited the same FDIC protection at the time of the FDIC-assisted acquisition in March 2023.

Where is First Citizens Bank headquartered?

First Citizens Bank is headquartered at 4300 Six Forks Road, Raleigh, North Carolina 27609. The bank has been Raleigh-based for over a century; the original Bank of Smithfield was founded in nearby Smithfield in 1898. The current corporate headquarters opened in 2018 and replaced an earlier downtown Raleigh headquarters. Frank B. Holding Jr., the Chairman and CEO, has overall responsibility for the bank’s strategic direction.

How many First Citizens Bank locations are there?

First Citizens Bank operates approximately 550 branches across 23 US states, with the largest concentrations in North Carolina (the home state), South Carolina, Virginia, Florida, California (Silicon Valley and Bay Area post-SVB), and other Southeast states. The combined company has approximately $220 billion in total assets, making it one of the 20 largest US banks.

Are First Citizens Bank branches open on Saturday?

Yes, at many branches. Most First Citizens branches in North Carolina, South Carolina, Virginia, and Florida have Saturday morning hours, typically 9:00 AM to 12:00 PM. Some branches in larger metro markets are closed Saturday; some branches in suburban North Carolina and South Carolina are open Saturday afternoon as well. Confirm with the specific branch using the locator at firstcitizens.com/locations.

Are First Citizens Bank branches open on Sunday?

No. First Citizens Bank branches are closed on Sundays at all locations. ATMs at all branches are available 24/7, the customer care line is staffed Sunday 8:00 AM to 8:00 PM ET (1-888-323-4732), and the mobile app handles routine banking 24/7. See our Banks Open on Sunday Near Me page for the list of banks with Sunday hours.

Why is First Citizens Bank known for FDIC bank acquisitions?

First Citizens has developed a distinctive franchise as an acquirer of FDIC-failed and FDIC-assisted banks over the past 15 years. The Holding family leadership has built deep expertise in negotiating FDIC loss-share agreements and integrating acquired banks at favorable terms. The CIT Group combination in January 2022 and the Silicon Valley Bank acquisition in March 2023 are the two largest examples, but First Citizens has acquired more than a dozen smaller troubled banks over the years. The willingness to step in during banking stress is part of the “Forever First” identity.

For more banking guides

• Citizens Bank Near Me, a completely different bank (Citizens Financial Group, headquartered in Providence, Rhode Island) that is often confused with First Citizens despite no corporate relationship
• Bank of America Near Me, a major US bank headquartered in Charlotte, North Carolina
• Truist Bank Near Me, the other major Charlotte-headquartered US bank (formed by the 2019 BB&T and SunTrust merger)
• Banks Open on Holidays Near Me, the federal holiday schedule and which banks observe which holidays
• Banks Open on Sunday Near Me, the full list of banks with Sunday hours
• ATM Near Me, find ATMs at any bank, surcharge-free options, and drive-thru ATMs
• Banks Near Me homepage, a directory of 70+ US, UK, and international banks