The First Citizens Community Bank: Empowering Individuals and Communities

Introduction

First Citizens Community Bank, a leading financial institution in the United States, is renowned for its unwavering commitment to empowering individuals, businesses, and communities. With a rich history spanning over a century, the bank has established a strong presence nationwide, offering a comprehensive suite of financial products and services tailored to meet the diverse needs of its customers.

In this comprehensive guide, we will delve into the world of First Citizens Community Bank, exploring its history, values, and the myriad of financial solutions it provides. We will also provide valuable tips and tricks to maximize your banking experience with First Citizens, and highlight the benefits and advantages that set it apart from its competitors. Whether you are an individual seeking personal banking solutions, a business owner in need of financial support, or a non-profit organization looking for a reliable banking partner, First Citizens Community Bank offers a tailored solution for your unique needs.

Section 1: A Rich History of Financial Excellence

The roots of First Citizens Community Bank can be traced back to 1898, when a group of farmers and businessmen founded The First National Bank of Smithfield in North Carolina. Over the years, the bank expanded its operations, acquiring other financial institutions and growing its presence throughout the Southeast. In 2003, it merged with First Citizens Bank & Trust Company of Raleigh, creating a formidable financial powerhouse.

Today, First Citizens Community Bank is the largest family-controlled bank in the United States, with over $50 billion in assets and a network of nearly 600 branches and 2,000 ATMs located in 19 states. It has consistently ranked among the top performing banks in the nation, earning accolades for its financial strength, customer service, and community involvement.

Section 2: Core Values and Guiding Principles

At the heart of First Citizens Community Bank's success lies its unwavering commitment to core values that guide every aspect of its operations. These values include:

• Customer Focus: The bank places the highest priority on meeting the needs of its customers, providing personalized service and tailored financial solutions to help them achieve their financial goals.
• Community Involvement: First Citizens believes in giving back to the communities it serves, actively supporting local businesses, organizations, and initiatives that enhance the lives of its residents.
• Innovation: The bank continuously invests in technology and product development to offer cutting-edge financial solutions that meet the evolving needs of its customers.
• Integrity: First Citizens maintains the highest ethical standards in all its dealings, earning the trust and confidence of its customers, employees, and shareholders.
• Financial Strength: The bank is committed to maintaining a strong financial foundation, ensuring the security of customer deposits and the long-term stability of the institution.

Section 3: A Comprehensive Suite of Financial Products and Services

First Citizens Community Bank offers a full spectrum of financial products and services designed to cater to the diverse needs of its customers. These include:

Personal Banking:

• Checking and savings accounts
• Certificates of deposit (CDs)
• Money market accounts
• Personal loans
• Mortgages
• Auto loans
• Credit cards

Business Banking:

• Business checking and savings accounts
• Commercial loans
• Lines of credit
• Equipment financing
• Treasury management services

Non-Profit Banking:

• Non-profit checking and savings accounts
• Lines of credit
• Capital improvement loans
• Endowment management
• Grant administration

Wealth Management:

• Investment management
• Retirement planning
• Estate planning
• Trust services

Section 4: Tips and Tricks for Maximizing Your Banking Experience

To make the most of your banking experience with First Citizens Community Bank, consider the following tips:

• Online and Mobile Banking: Utilize the bank's convenient online and mobile banking platforms to access your accounts, make transactions, and manage your finances anytime, anywhere.
• Personal Financial Management Tools: Take advantage of the bank's free personal financial management tools to track your spending, create budgets, and set financial goals.
• Rewards and Loyalty Programs: Enroll in First Citizens' rewards and loyalty programs to earn points and redeem them for exclusive benefits, such as cash back, travel rewards, and merchandise.
• Branch and ATM Network: Take advantage of the bank's extensive branch and ATM network to conveniently access your accounts, deposit checks, and withdraw cash.
• Customer Support: Contact the bank's dedicated customer support team for assistance with any questions or concerns you may have.

Section 5: Benefits of Banking with First Citizens

Convenience:

• Extensive branch and ATM network
• Online and mobile banking platforms
• 24/7 customer support

Security:

• Strong financial strength
• FDIC insurance protection
• Advanced fraud detection and prevention measures

Customer Service:

• Personalized service
• Dedicated relationship managers
• High customer satisfaction ratings

Competitive Rates:

• Competitive interest rates on deposits
• Affordable loan rates
• No-fee checking accounts

Community Involvement:

• Active supporter of local businesses and organizations
• Sponsors educational programs and financial literacy initiatives

Section 6: How to Become a First Citizens Community Bank Customer

Opening an account with First Citizens Community Bank is easy and convenient. You can visit any branch location, call the bank's customer service line, or apply online through the bank's website. The process typically requires the following:

• Government-issued identification (driver's license, passport, etc.)
• Proof of address (utility bill, lease agreement, etc.)
• Initial deposit for the account you wish to open

Section 7: Conclusion

First Citizens Community Bank is a trusted financial partner that provides a comprehensive suite of financial solutions, unparalleled customer service, and a strong commitment to community involvement. Its rich history, core values, and innovative approach make it an ideal choice for individuals, businesses, and non-profit organizations seeking a reliable and trusted banking partner. By leveraging the bank's tips and tricks, you can maximize your banking experience and enjoy the numerous benefits that First Citizens Community Bank has to offer.