Yes, you can open a First Citizens Bank account online, but the process depends on which type of account you want

First Citizens Bank allows you to start a checking or savings account through their website without visiting a branch. The online application takes about 10 to 15 minutes and requires basic personal information, a valid ID, and a Social Security number. However, not all account types are available online—some specialty accounts or those requiring a minimum deposit above a certain threshold may require a phone call or in-person visit.

The account opens immediately after approval in most cases, and you can begin using it the same day. You'll receive a debit card by mail within 5 to 10 business days. If you need to deposit cash or make immediate withdrawals, you'll need to visit a branch or use an ATM once your card arrives.

Key Takeaways

  • First Citizens Bank allows online account opening for checking and savings accounts through their website, with approval typically within minutes.
  • You will need a valid government-issued ID, Social Security number, and initial deposit amount (which varies by account type) to complete the online application.
  • Your account becomes active immediately after approval, but your physical debit card arrives by mail in 5 to 10 business days.
  • Some account types, such as business accounts or accounts requiring higher minimum deposits, may require you to call or visit a branch instead.

What you need before you start the online application

Gather these items before opening your browser: a valid government-issued photo ID (driver's license, passport, or state ID), your Social Security number, and information about your current address. First Citizens will verify your identity using this information and may check your banking history through ChexSystems, a system banks use to review past account activity.

You'll also need to decide on an initial deposit amount. First Citizens Bank checking accounts typically require a minimum opening deposit—the exact amount varies by account type, so check their website for the specific account you're interested in. You can fund the account using a transfer from another bank account, a debit card, or a wire transfer.

Steps to open an account on the First Citizens website

Go to the First Citizens Bank website and look for the "Open an Account" or "New Accounts" button, usually located on the homepage. Click it and select the type of account you want—checking, savings, or money market. The system will ask you to enter your personal information: full name, date of birth, address, phone number, and email address.

Next, you'll provide your Social Security number and upload or photograph your ID. First Citizens uses this to verify your identity instantly in most cases. You'll then choose your initial deposit method and enter those details. Review the account terms and disclosures, agree to them, and submit your application. If approved, you'll see a confirmation screen with your new account number.

Some applicants are asked to verify their identity by phone or email before the account is finalized. If this happens, First Citizens will contact you with instructions. This step typically takes less than an hour.

When First Citizens might ask you to apply by phone or in person instead

If you're opening a business account, a joint account with someone not present, or an account requiring a deposit above a certain threshold, the online application may not be available. First Citizens may also require a phone or in-person visit if their identity verification system cannot confirm your information instantly—this can happen if you have a very new credit file, an uncommon name, or a recent address change.

If the online application stops and asks you to call, you can reach First Citizens at their customer service number (available on their website) to complete the process over the phone. A representative will walk you through the remaining steps and can often fund the account immediately using information you provide verbally.

How to fund your new account after it opens

Once your account is open, you can transfer money from another bank account using ACH (Automated Clearing House) transfer. This typically takes 1 to 3 business days. You can also deposit cash at any First Citizens ATM or branch once your debit card arrives. If you need funds in the account before your card arrives, ask First Citizens about mobile check deposit or wire transfer options—both are faster but may carry fees.

Your first debit card will arrive by mail within 5 to 10 business days. You can activate it through the First Citizens mobile app or website as soon as it arrives. Until then, you can use your account number and routing number to set up direct deposits or pay bills online.

What happens if your online application is denied

First Citizens will tell you immediately if your application cannot be processed online. Common reasons include a ChexSystems report showing past account issues, an inability to verify your identity, or a mismatch between the information you provided and what's on file with the credit bureaus. If this happens, you'll receive a notice explaining the reason.

You can call First Citizens to discuss the denial and ask whether applying in person at a branch might succeed. Some applicants are approved in-branch when additional documentation or a face-to-face verification resolves the issue. You also have the right to request a copy of your ChexSystems report to check for errors.

Using your account before your debit card arrives

Your account is fully functional the moment it opens, even though your physical debit card is still in the mail. You can set up direct deposit using your account number and routing number—this is useful if you want your paycheck deposited immediately. You can also pay bills online through the First Citizens website or mobile app, transfer money to other accounts, or set up automatic payments.

If you need to withdraw cash before your card arrives, visit any First Citizens branch and ask a teller to withdraw funds using your account number and ID. You can also use a First Citizens ATM with your account number, though some ATMs may require a card. Check the First Citizens website or app to find the nearest branch or ATM.

Frequently Asked Questions

How long does it take to open a First Citizens account online?

The application itself takes 10 to 15 minutes. Approval usually happens instantly, and your account is active the same day. If First Citizens needs to verify your identity by phone, that step adds a few hours but rarely more than one business day.

Do I need a minimum deposit to open an account?

Yes, most First Citizens accounts require an opening deposit. The amount varies by account type—some checking accounts may require $100 to $500, while others have no minimum. Check the specific account details on their website before you apply.

What if I don't have a government ID?

First Citizens requires a valid government-issued photo ID to open an account online. If you don't have one, you'll need to visit a branch in person with alternative documents such as a passport, military ID, or state ID card.

Can I open a joint account online?

Joint accounts typically require both account holders to be present or to complete separate verification steps. You may be able to start the process online, but First Citizens will likely ask you to call or visit a branch to finalize it with the other account holder.

What if my online application gets stuck or times out?

If your application doesn't complete, your information is usually saved. Log back in to the First Citizens website and resume where you left off. If you continue to have trouble, call First Citizens customer service and ask to complete the application over the phone.