First Citizens Bank

First Citizen Bank is probably the Worst bank for anything from Personal Banking to Business. This is going to be a Long and pretty In-Depth review: Originally I was with One West Bank, a pretty good bank for years, until it was acquired by First CitizenBank in 2022. Thinking I might still get the same level of banking service and customer support I stayed. I can tell you this that laid off most of One West Bank employees! So I stayed and had no issues and slowly I started to face issues:

I have had nothing but issues with this bank. The first issue was they didn't charge me the agreed upon interest rate. I had to make them aware they had been charging me the wrong rate for a few months. They corrected but it happened again. I lost money because they were overcharging me when my loan was at its largest. They never reimbursed me for that. Fast forward to last year, I had to change bank accounts due to fraud, I connected with loan manager and filed new paperwork to pull out of new bank account. They kept trying to pull from old one, racking up charges.

I have tried to call in and make a payment for a car loan and set up auto draft but the company is making this process so hard. They tell me they need to call a landline to get a code, but then tell me they can’t do that. They say they need to speak to the primary on the business account, and I say he is an attorney and I am the account manager. I will try to call him. They then say he has to call in. I then ask does he have to call from the identical line from the office phone and she tells me I can’t tell you that. I try and remind her that he is an attorney and will need to call from cellphone, so that matters. She then tells me she can’t tell me that. It has never been so hard to make and set up draft for a payment in my life. I will not be using this bank again. I am going to look into refinancing.

The main branch on Main Street in High Point, NC has the worst customer service that I have experienced in any bank. Very rarely do they even say hello or thank you when going through the drive-through. Some don't even say anything even when I say hello. On an average, it takes about 10 minutes to do a simple deposit. Went in today to make a deposit and the teller abruptly said she was waiting on another customer and I would have to wait. I made the comment about "what else is new" and she did not like the comment and proceeded to return my deposit and was told to come back another day. I went inside to get another teller and to speak with the manager.

We opened a Business Account five years ago. When Scott ** became Leesburg Branch Manager the service was AWFUL! The old staff, who were wonderful left & new people replaced them who were lazy, careless & one attempted to cause us to lose money from our business account! CRAZY & CORRUPT? The old saying, "Fish rot from the head down." They need to REPLACE SCOTT ** & services would probably be adequate again. We moved to Bank of Charles Town whom I cannot recommend higher for business, or personal for that matter!!! Bank of Charles Town cannot help enough & have the nicest staff! We love them!

Can't get debit or credit card alerts. Since they do so many updates constantly the alerts get turned off and you can't get them turned back on. Example, your payment due reminder, if card was used at gas station or if cards were used. Now I get no alerts at all. Have called several times. The customer service rep first stated there was no problem but yet when you call you get a message that the system is having problems getting you logged in. She stated she would have someone call which she did and this customer service person actually stated it was my browser which it wasn't. I tried on my Chromebook and my their mobile app neither works. So she went in and cut the alerts on on both cards but they still are not on. I have messaged them and no fix yet. Time to change banks. Wouldn't advise anyone to put your money in their bank.

I opened an account here and switched my direct deposits and auto drafts over to it. My direct deposits would hit every Friday but would not post to my account until late Monday...so they are constantly charging me overdraft fees for transactions that hit before they decide to make my money available... ridiculous, I'm switching back to a bank that can actually handle transactions in a timely fashion. The point of direct deposit is to be able to use your money ON payday.

Absolutely terrible. My wife wanted to move to another bank and she chose First Citizens. We opened a joint checking, savings, personal checking (for my business), I got a FC credit card and rolled our HELOC all into one nice online interface. I set up auto payments for my CC, autodraft from our joint account the full balance every Monday. I bought some personal items I wanted to pay for out of my own personal account instead of the Joint, so I manually paid the full balance out of my personal funds. Their transaction process is so slow and archaic that it took my payment and then withdrew the full amount AGAIN from our joint account. Branch manager told me that "the autopay is going to process no matter what." So I had overpaid $1,364.00. It took me a MONTH to get credit back into my joint account. Absolutely inexcusable.

I have a huge problem with your bank.

I opened a checking account with First Citizens Bank. It lasted two days. When I was unable to login, I found out to my horror that First Citizens Bank closed my account without notifying me. Not only that, they forced me to pay $103.26 to do that. I had to pay for checks I couldn't use, and the funds were not available because the account was closed without my consent. I will never trust this bank again.