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First Citizens Online Banking


First Citizens has not sent out, and does not send out, emails requesting confidential information or validation of account particulars by customers. Any such emails received are phishing attempts that should be ignored and not acted on. You can report such attempts to us at our help line 431-4500 or


SurePay files are processed twice daily at 9:00a.m. and 4:00p.m. Payments received after 4:00p.m. will be processed the next business day at 9:00a.m. Payments to other banks are uploaded at 11:00a.m. each day, and payments processed after 12:00p.m. are processed the next working day. 

As we have no control over the processing time at other institutions, please ensure that you make credit card and loan payments to other financial institutions at least one week before the payment due date as some companies may take 3-5 business days to post the payment to your account.

First Citizens will not be liable for any claim or loss caused by such circumstances.