First Citizens Mobile Banking

Description

First Citizens Mobile Banking brings the full power of your bank account right to your smartphone with a clean and intuitive interface. This app lets customers of First Citizens Bank handle nearly all their banking needs without visiting a branch. You can deposit checks by taking photos, transfer money between accounts and pay bills all from one convenient place. The app includes security features like fingerprint and face recognition to keep your financial information safe. First Citizens has designed this app to work smoothly on both iOS and Android devices making banking on the go simple for all their customers.

Key Features

• Mobile Check Deposit: Skip the trip to the branch by depositing checks using your phone's camera. Simply snap photos of the front and back of your endorsed check and the funds will be processed into your account.
• Bill Pay System: Manage all your recurring payments and one-time bills directly through the app interface. You can schedule payments in advance, set up automatic payments and keep track of your payment history all in one place.
• Account Alerts: Stay on top of your finances with customizable notifications about your accounts. You can receive alerts for low balances, large transactions, direct deposits and other important account activities.
• Zelle Integration: Send money quickly to friends and family using just their email address or phone number. The Zelle feature allows for secure person-to-person payments without the hassle of cash or checks.

Tips for Using First Citizens Mobile Banking

1. Set up account alerts for unusual activity to help protect yourself from fraud and keep better track of your spending habits. These notifications can be customized based on transaction amounts so you only get alerts that matter to you.
2. Take advantage of the card controls feature that allows you to temporarily lock your debit card if it's misplaced. This provides peace of mind while you look for your card and prevents unauthorized purchases during that time.
3. Use the spending analysis tools to categorize your expenses and track where your money is going each month. This feature creates visual breakdowns of your spending patterns which can help with budgeting and financial planning.
4. Schedule a recurring transfer to your savings account to coincide with your payday for effortless saving. The app makes it easy to set up automatic transfers on specific dates so you can build your savings without having to remember to do it manually.

How to Download and Use First Citizens Mobile Banking

1. Download the app by clicking on the Google Play Store button if using Android, or use the Apple Store button for iOS. Make sure you're downloading the official First Citizens Bank app by checking that the developer is listed as First Citizens Bank.
2. Open the app and register your account by entering your online banking credentials or creating new ones if you haven't used online banking before. You'll need to verify your identity using either the last four digits of your Social Security Number or your account number and may need to set up security questions.
3. Once logged in, take time to explore the app's dashboard and customize your settings for the best experience. You can rearrange the order of accounts displayed, set up Touch ID or Face ID for quicker logins and enable push notifications for important account updates.

Final Thoughts

After using First Citizens Mobile Banking for several weeks, I'm impressed by how much banking functionality they've packed into a relatively straightforward app. The interface strikes a good balance between simplicity and feature depth which makes it accessible for both tech-savvy users and those who are less comfortable with mobile banking. I particularly appreciate the security features that don't sacrifice convenience and the ability to deposit checks without visiting a branch. While the app occasionally runs a bit slower after updates, these issues are usually resolved quickly. For First Citizens Bank customers this app delivers exactly what you need for day-to-day banking and eliminates most reasons to visit a physical branch.