First Citizens Bank Reviews

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.

They caught someone trying to charge $7000 and sent me a text. I never used their debit card once. I happened to log in to my account and a charge to a charity in FL as well as a charge to a Flower shop were allowed. Apparently, this happens a lot to this bank. The charity refunded my money first, so First Citizens got off easy there. Their money is insured, which they don't make well known. The police told me about their money being insured. I contacted the FTC, CFPB, police, etc., because no one in fraud seemed to be empathetic or bright.

After 4.5 years as a customer, I received a new $15 fee for online banking. The only reason I am a First Citizens customer was for Free Checking. Customer Service said I could go to a branch and have them switch my accounts to a different online banking system with very little difference with no fee. Could they make it more difficult. AVOID THIS BANK. Worst in class technology and branches closed on Saturdays. Convenience is clearly not a consideration for them. They are so bad, I get my SBA loans through other institutions and just use their checking in case I need a local branch. If they want to nickel & dime small businesses, I'll take multiple accounts and tens of thousands of dollars to a new bank. First Citizens is NOT SMALL BUSINESS FRIENDLY.

I can't get any support over the phone and continue to be sent to a local office to receive help. Once I drive to the local office, I see a sign posted on the door stating the office is closed due to COVID. I then go back through the drive-thru to talk with someone who gives me the name of the branch GM who can't seem to figure out how to help me either. He is very nice and continues to say he is "pushing buttons" and the back office will fix the issue one of these days. Well, the issue doesn't get fixed so I go on-line and am able to create a Bank of America account and all my issues are addressed and solved within 12 days.

First Citizens Bank purchased the bank that I did business with over a year ago. Since that time, they’ve continued to send monthly statements @ $5 each. I call each month asking them to stop. I’ve tried to close the account-they said my signature didn’t match. My balance has gone to zero, and they had the nerve to charge an OVERDRAFT FEE!!! Once they charged the overdraft fee, they closed my account! (Which is fine because I’ve wanted to close it anyway.) But I shouldn’t have to pay $35 for this. THEY dwindled my account down to $0 and have the nerve to charge me!! Customer service is unhelpful. They talk you in circles and in the end, rob you of your money through a $5 monthly statement fee that they make impossible to cancel.

I have been a First Citizens Bank customer for 9 years. I have a savings, a checking and credit card with them. I needed to open an Estate Account for an inheritance. I checked with them to make sure I had all the proper documents. Went to the bank when I received the check and presented my documents. Their legal department balked because the Letter of Authority from the court was not original. Strange because I had the check in hand. Nothing illegal happening here. I went to First Bank of SC with the same documents that same day and opened the Estate Account there in 20 minutes. This is the 2nd time I have been disappointed by FCB's legal department. The other time was for a simple Notarized Signature that they would not do because it was a property sale. Went to the UPS Store and got it. I don't feel like they really want to assist their customers. Apparently, they don't need my business.

This is absolutely the worst bank ever! My bank account was compromised and I called several times and even went so far as to file complaints with the BBB (they never responded so the BBB just closes your case). Someone was making large payments on bills from my account and FC called me a liar and said, "Why would someone pay your bills?" Gee, I don't know? I explained over and over to them it wasn't me and now they screwed up my credit so bad it'll take years to recover. The branch in Brookfield is pitiful and the bank manager doesn't call you back, she just goes on vacation and then calls you back 2 weeks later. I never had an issue with Guaranty Bank and they were friendly. I also reported to the CFPB but, they didn't do anything either. I can't believe they allow this bank to exist.

As a retired Realtor, don't ever go to a bank branch manager for any credit accounts. They are amateurs. I was produced with HUD statement with three errors on it. Most people would have never caught the errors.

I'm constantly being hit with over draft fee. I always check the available amount I have before using my card but sometimes they don't add a charge til days later I guess. I went over by 85 cents and deposited money into my acct few hrs later. 5 days after that, they hit me with over draft. A few times I was charged over draft and I added up all the charges and one couple occasions I was not over. When I sent a auto draft out and I did not get the money in the bank in time I was charged insignificant funds fee and I understand that. I did not get the money in the acct in time, that was completely my fault. But when I only go over 85 cents and only because it said I had money in my acct and I deposit my check same day to charge me over $30 is ridiculous.

I've been working with First Citizens since the first week of December, 2019. I submitted everything they requested within 1 business day of request. I got all inspections I Was told to get done. My closing was scheduled for Friday, 1/17. On Monday, 1/14, 4 days before closing, First Citizens requested additional paperwork. I submitted it.

I've been banking with FC for over 20 years. Since I've been banking online I've been hit with numerous fees. I called to complain and out of 5 fees I was reimbursed 3. The other 2 should have been reimbursed but I got 3 back it felt like a small victory. I had one fee reimbursed and 2 days later they hit me again for no reason. I figure it was to get the reimbursed one back. Every time I complain it's always my fault. They also hit me each month with atm fees for using their atms. When I complained the atm fees stopped. This is a very bad bank to bank with. They will hit you with needless fees and there is nothing you can do about it. Bunch of crooks!!!!

So, First Citizens is literally the worst bank. Normally, if the bank allows a charge to go through and it results in a negative balance you will not be charged an overdraft fee until midnight. Not the case here. This bank will let the charge go through, allow you to straighten out the account before midnight and then charge you TWO overdraft fees 3 days later.

First Citizens Bank purchased the bank that I did business with. The Result: They shut down my Debit Card while I was traveling. Apparently they do not have customers that travel more than 30 days at a time. It’s MY MONEY. But with the purchase I had to follow their rules which required me to get a new debit card. My bank was sold before and I was not required to get a new debit card. I was FORCED to play by their rules to access MY MONEY. ARROGANT! Charges that never appeared on my past statements started to appear. Nickel and dime is how they they expand their revenue stream. GREEDY!

I banked with FC for decades before moving from NC. Because it was no longer convenient to bank with them and the level of service had been declining I changed banks 10+ yrs ago. The following is the 2nd unscrupulous incident I’ve had with them this year. On 9/26/2019 the treasury department on behalf of my federal agency mistakenly sent my travel reimbursement pay via ACH to my closed FC checking account.

Do not use this bank. They will try to get money from you. We paid our water bill last week and it just now came out of my account today, ending with an overdraft fee. We will be getting that money back, even if I have to fight it in court. This wouldnt be the first time they have done this.

This bank makes their money on fees for things you would expect to be part of the package having a checking account. For instance, an online transfer to a previously recorded bank generates a $3.95 fee. Calling them up to dispute the charge results in customer disrespect and of course they will not remove their unfair fees since they obviously make money on cheating their customers. I will never ever do business with them again.

IF there was a choice for NO stars, that would be it. My mother had been a customer for years. We recently moved, and although we changed her address on line, unbeknownst to us, First Citizen's continued to mail her bills to the old address. So, she never received a bill and did not know she had a balance. Then one day, she received a call from a very rude individual absolutely berating her about non-payment.

When I first opened the account it was set up wrong. I had to go to another branch who closed that account and opened up a new one. The first account opened the agent asked me questions and that I bet have never heard a banker asked. There was no eye contact throughout the M process. Because the amount of money I was depositing it seemed as though she was insinuating that it was drug money. When I went into the next branch a week later is when I found out that she had set the account up wrong. Because of my experience and several customer service calls that week they decided to give me free checks. That was in August. I guess they are on backorder.

I have had this business account for 11 years. Every since that merger occurred with BestBank they have been inconsistent and really don't know their products. The different branches which are very scattered here in Georgia have different policies per branch as it pertains to deposits. I was told by the customer service center it's up to the branch when it comes to holds. Now I have an established history when it comes to this account and the type of deposits that are made but they will sometimes make deposits available immediately and sometimes just decide to do a 2-7 day hold depending on what the teller thinks. In addition, the phone reps never have thorough knowledge of the products they are discussing and somehow the security questions when calling in keep increasing and changing and don't match with what was on file the previous times I've called in... Very inconsistent and I'm closing the account because of it.

This is the absolute worst bank/branch that I have ever dealt with. RUN from this bank. This branch and the First Citizens Bank allowed a third party company (Paysafe- California) to steal money out of my business account, even AFTER I complained to them at least 10 times. I advised them not to let this third party debit my account. I called their fraud department on July 12 and spoke to them for 45 minutes. I went to the branch in person on July 13th, and I spoke to the branch manager. They did not care and the third party continued debiting my account even several weeks after July 13. The bank staff lied about me and said that I threatened to harm them when I never did, period.

Wouldn't choose another bank, great rate and customer service! Compared a variety of banks and some were close but First Citizens offered to match or lower the rate if I could find one less than what they offered. All of my banking is now with First Citizens.

I am a disabled woman. My husband and I have been banking with First Citizens Bank for a year now. I have received excellent service up until three days ago. An ATM took 200.00 of my money. I reported this to the bank and was lied to and given the run around about my money being returned to me. They are now saying it will take 10 days for it to be returned. I am giving this review because other people need to know about this bank's dishonesty!

I was a previous Guaranty bank customer of many years and never had one issue with Guaranty. It is almost a year and my debit card has still not arrived. I called explaining that I could not go to a branch as none were now near me since this bank took over and that I am disabled, and so forth, so I just want them to complete the transaction over the phone. I was transferred after a 33 minute with an inept front line CSR who repeatedly (at leas 10 times) called me "Mrs. Ms." - not Ms. after I corrected her the first time.

I have owned many businesses and dealt with many banks but I must say First Citizens is the worst ever. Their online Customer No Service is amazing how bad it is. You would almost think you have to train to be that bad. Their Customer No Service in the branches are just as bad. Long waits, not enough staff, rude and they don't care about you at all. I don't say these things lightly but you have been warned. If you are looking for a new bank don't bother with First Citizens and go where they appreciate your business.

These people cannot be trusted. They tell you one thing and then act as if they never said it. I had a loan with a balloon payment which they said would be renewed. Exorbitant closing costs were charged, when confronted about this they promised when loan is renewed in 5 yrs the costs would be much lower and would make up for these high initial closing costs. Well guess what? After paying all 60 payments on time not one payment late, we also had a stellar credit rating. It came time for this loan to be renewed and they would not renew in order to avoid charging me less closing costs which they had promised. Had to pay this loan off. You can do business with this bank if you want to but you will regret it.

We applied online and they took our deposit but 8 days later they still haven't opened the account. Now they're telling us it'll be 5 more business days until the money will be refunded. Unacceptable!!

If I could leave 0 stars for this bank I would. Looks like someone else had a similar experience. Years ago I had a business account with this branch for my car dealership for all of 6 months before I had to switch to a different bank. I had an account with BB&T previously and felt lost in the shuffle of a big bank. First Citizens was closer to my business and I felt I would be better served at a local community bank but I was wrong.

Before First Citizens bought out Guaranty Bank, I was a satisfied customer of almost 20 years. Since First Citizens took over I am getting bombarded with overdraft fees. One thing they do is they take out the debt first then they put in your deposit, regardless if you deposit cash before the end of the day when the pending debts come out. Today, I can see that I was in the positive but customer service is insisting my balance was negative $1.50. From what I see online it was still positive until the overdraft fee. I cannot close this account fast enough.

Overdraft fees! When opening an account you have options and they go over certain things with you. As such is overdraft protection in which I've declined. After reviewing my online account I was charged (Two) times of $36 each in fees on top of the (Company's) auto pay amount which should have declined the auto pay. Instead FCB picks and chooses which items to declined and to accept an overdraft for then charges me this fee. So how can they charge me for something I've declined but still allow to process through to my account when I don't have the funds in there? Scam...