First Citizens Bank opens at 9 a.m. on weekdays, but hours vary by branch and location

Most First Citizens Bank branches open at 9 a.m. Monday through Friday, but some locations open earlier or later depending on the market and customer demand. Saturday hours typically start at 9 a.m. or 10 a.m., and many branches are closed on Sunday. The only way to know your specific branch's exact opening time is to look it up directly — calling ahead or checking online takes two minutes and saves a wasted trip.

First Citizens Bank operates branches across multiple states, and each location sets its own schedule within company guidelines. A branch in a downtown business district may open earlier than one in a suburban shopping center. Holiday schedules also shift, so if you're planning a visit around a federal holiday, verify the hours before you go.

Key Takeaways

  • Most First Citizens Bank branches open at 9 a.m. on weekdays, but opening times vary by location and can range from 8 a.m. to 10 a.m.
  • You can find your branch's exact hours by using the bank's branch locator tool on their website or by calling the branch directly.
  • Saturday hours usually begin at 9 a.m. or 10 a.m., and most branches are closed on Sunday.
  • Holiday schedules differ from regular hours, so check before visiting on or around a federal holiday.

How to find your branch's opening time online

First Citizens Bank's website includes a branch locator tool where you enter your city, zip code, or address and see all nearby locations with their hours listed. The tool shows Monday through Sunday hours for each branch, plus the branch address, phone number, and available services like ATM access or drive-through lanes.

If you're using a mobile device, the bank's app also has a branch locator. Search for the branch closest to you, and the hours display right on the location card. This is faster than calling if you just need to confirm whether the branch is open right now.

Calling the branch directly

If the website locator isn't working or you want to confirm hours before leaving home, call the branch. The phone number appears in the branch locator results. A staff member can tell you the exact opening time, whether the drive-through opens at a different time than the lobby, and whether you need an appointment for your specific transaction.

Calling is also useful if you're planning to visit during a holiday week. Some branches adjust hours for Thanksgiving, Christmas, New Year's Day, or other federal holidays, and the website may not update immediately.

Drive-through versus lobby hours

At many First Citizens Bank locations, the drive-through opens before the lobby or closes after it. A branch might open its drive-through at 8 a.m. but not unlock the lobby doors until 9 a.m. If you only need to deposit a check or withdraw cash, the drive-through may be your faster option even if you arrive before the lobby opens.

Some branches also offer extended drive-through hours on certain days. Ask when you call whether the drive-through stays open later than the lobby, especially if you're planning an after-work visit.

What to do if your branch is closed

If you arrive and the branch is closed, you have several options. First Citizens Bank ATMs are available 24/7 at most branch locations, so you can withdraw cash, deposit checks, or check your balance any time. If you need to speak with someone, you can call the bank's customer service line, which operates beyond branch hours.

Many transactions — bill pay, transfers, account changes — can be done through the bank's website or mobile app without visiting a branch at all. If your need is urgent and the branch won't open for hours, check whether you can handle it online first.

Planning ahead for weekend and holiday visits

If you know you need to visit a branch on Saturday, check the hours the day before. Some branches have limited Saturday hours or are closed on certain Saturdays. First Citizens Bank does not operate branches on Sunday at most locations, so plan accordingly if you need in-person service.

For holiday weeks, the bank typically follows the federal holiday calendar. If a federal holiday falls on a Monday, many branches close that day. Check the branch locator or call ahead if you're planning a visit during Thanksgiving week, Christmas week, or around New Year's Day.

Frequently Asked Questions

Do all First Citizens Bank branches open at 9 a.m.?

No. While 9 a.m. is the most common opening time for weekday branches, some locations open at 8 a.m. or 10 a.m. depending on local demand and market conditions. Use the branch locator tool or call your specific branch to confirm.

Can I use the ATM if the branch is closed?

Yes. First Citizens Bank ATMs are available 24/7 at most branch locations. You can deposit checks, withdraw cash, and check your balance at any time, even when the lobby and drive-through are closed.

What time does the drive-through open?

Drive-through hours vary by branch and often differ from lobby hours. Some drive-throughs open earlier or close later than the lobby. Call your branch or check the locator tool to see the specific drive-through hours for your location.

Are First Citizens Bank branches open on Saturday?

Most branches are open on Saturday, usually from 9 a.m. to 1 p.m. or 10 a.m. to 2 p.m., but hours vary by location. Some branches have limited Saturday hours or may be closed on certain Saturdays. Check your branch's schedule online or by phone.

What should I do if I need banking services outside of branch hours?

Use the bank's website or mobile app for transfers, bill pay, and account management. Call customer service for questions. Use the 24/7 ATM for deposits and withdrawals. If you need to speak with someone urgently, customer service lines often operate beyond branch hours.