First Citizens Bank Closest to Me — Find Your Nearest Branch & ATM

What First Citizens Bank customers and people researching the bank actually want to know — no runaround.

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  Is First Citizens Bank in all 50 states? No — First Citizens has physical branches in 23 states as of mid-2026 · The BMO branch acquisition (expected to close mid-2026) will expand this footprint · A nationwide direct bank operates online in all 50 states · Heaviest branch presence: North Carolina, South Carolina, Virginia, California, Georgia, and Texas

  First Citizens Bank’s 23-state branch network is concentrated in the Southeast and mid-Atlantic, with its largest cluster in its home state of North Carolina where it was founded in 1898. The bank also has a significant California presence from its Silicon Valley Bank acquisition. Outside the 23-state branch footprint, the bank operates a nationwide direct bank — meaning you can open and manage accounts online from any state, even without a local branch. The 138 BMO branch acquisition announced in February 2026 is adding locations primarily in the Northeast and other markets where First Citizens previously had limited or no branch presence. Exact location count will grow once that transaction fully converts.
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  Is First Citizens Bank the same as Citibank? No — they are completely separate and unrelated banks · First Citizens Bank is headquartered in Raleigh, NC, and is family-controlled · Citibank is a global banking giant headquartered in New York · The similarity in the name “Citizens” is coincidental — Citizens Bank (a different regional bank based in Providence, RI) is also not the same as First Citizens

  This confusion comes up often. First Citizens Bank (officially First Citizens BancShares, NASDAQ: FCNCA) is a privately controlled regional bank founded in 1898 and still run by the Holding family. It is entirely separate from Citibank (the U.S. retail banking arm of Citigroup) and also separate from Citizens Bank (a regional bank headquartered in Rhode Island, formerly part of Royal Bank of Scotland). They share no ownership, no systems, and no branch locations. First Citizens is the largest family-controlled bank in the United States and, after its 2023 SVB acquisition and the pending BMO acquisition, one of the 15 largest banks by assets overall.
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  What states have First Citizens Bank locations? 23 states: Alabama, Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, and others · NC is the largest market · The BMO acquisition (closing mid-2026) will expand this list

  North Carolina remains the bank’s core market with the highest branch density — reflecting its founding in Smithfield, NC and its century of growth in that region. The SVB acquisition added California locations serving the technology and innovation sector. The CIT Group merger (2022) added commercial banking offices in multiple markets. With the BMO branch acquisition finalizing in 2026, the geographic footprint is actively expanding into Northeast markets where First Citizens previously had minimal retail presence. For the most current state-by-state list, the branch locator at firstcitizens.com reflects real-time availability including any newly converted branches.
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  How do I contact First Citizens Bank customer service? Phone (personal banking): 1-888-FC DIRECT (1-888-323-4732) · Available Monday–Friday 8 a.m.–8 p.m. ET, Saturday 9 a.m.–5 p.m. ET · Report a lost/stolen card: 1-800-604-0228 (24/7) · Online banking support: firstcitizens.com/digital-banking · Secure message: log into online banking and use the message center

  The main customer service line for personal banking handles account questions, wire transfers, general inquiries, and help with online banking setup. For business banking, separate numbers apply — the business banking line is 1-888-FC DIRECT option 2, or you can contact your local branch directly through the number shown on the branch locator page. For SVB commercial banking clients (currently transitioning to First Citizens Innovation Banking), the dedicated SVB relationship banking lines remain in service and are separate from the personal banking phone system. After the Q4 2026 rebrand, all contact numbers will consolidate under First Citizens — watch for communications from the bank on specific timing.
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  What are First Citizens Bank branch hours? Typical hours: Monday–Thursday 9 a.m.–5 p.m. · Friday 9 a.m.–6 p.m. · Saturday 9 a.m.–noon (many but not all locations) · Sunday: closed · ATMs: open 24/7 · Hours vary by location — always verify at the branch locator before visiting

  Hours at specific branches can differ from the standard schedule, particularly at locations inside grocery stores or shopping centers, which may have extended hours. Drive-through windows often have different closing times than the lobby. The First Citizens branch locator shows today’s current hours for each specific branch, including whether it’s open right now — always check before making the drive, especially for Saturday visits when some locations close earlier than others or remain closed entirely. Federal holidays follow the standard bank holiday schedule with full branch closures, while ATMs remain operational.
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  Which country uses First Citizens Bank — is it only in the USA? First Citizens Bank is a U.S.-only institution · All deposits are FDIC-insured to the standard $250,000 per depositor per ownership category · First Citizens does not operate in Canada, the UK, or other countries as a retail bank · SVB (now First Citizens Innovation Banking) did have international offices in the UK and other countries, though those were handled separately

  First Citizens Bank is entirely a U.S.-chartered federally insured bank. The confusion about international operations stems from Silicon Valley Bank’s pre-2023 structure, which included UK and international offices serving the global technology sector. After SVB’s collapse and First Citizens’ acquisition, those international offices were handled separately by regulators in each country — the UK’s SVB entity was acquired by HSBC rather than being part of First Citizens’ acquisition. The First Citizens you interact with through branches and online banking operates solely within the United States and is regulated by U.S. banking regulators.
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  What is happening with Silicon Valley Bank and First Citizens in 2026? SVB is being rebranded in Q4 2026: the tech/healthcare banking division becomes “First Citizens Innovation Banking” · SVB Global Fund Banking becomes “First Citizens Fund Banking” · SVB Wine division and CIT Commercial Services become “First Citizens Bank” · No changes to client service, relationship managers, or products — only the names change

  First Citizens acquired Silicon Valley Bank from the FDIC in March 2023 after SVB’s collapse and has operated it under the SVB brand name since then. After three years of stabilization and growth — SVB’s client satisfaction scores now exceed pre-2023 levels, and total client funds grew by $10.4 billion in 2025 — First Citizens announced in April 2026 that it will retire the SVB name by Q4 2026. CEO Frank Holding Jr. has emphasized repeatedly that nothing about the client experience is changing: the same relationship managers, the same specialized tech and healthcare banking expertise, the same solutions. Only the sign on the door is changing. For any current SVB commercial banking customers, no action is required — you’ll receive direct communications from First Citizens on specific timing and transition details.
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  Does First Citizens Bank have mobile banking and online features? Yes — mobile app available for iOS and Android · Mobile check deposit · Zelle money transfers · Bill pay · Account alerts · Branch and ATM locator built in · Online banking at firstcitizens.com · First Citizens also operates a nationwide direct bank for customers in states without branches

  First Citizens’ digital banking platform handles virtually all day-to-day banking needs: balance checks, transfers between accounts, external transfers, bill pay, mobile check deposit (for checks up to your account’s deposit limit), card controls (freeze/unfreeze your debit card), and Zelle for person-to-person transfers. The mobile app also has the branch and ATM locator built in — useful for finding the closest location when you’re away from home. The nationwide direct bank component means customers anywhere in the U.S. can open First Citizens accounts online and manage them fully digitally, even without a local branch nearby for cash needs. The First Citizens app received a top-two ranking in J.D. Power’s Digital Experience Study for both service and shopping categories.

These are the states with First Citizens Bank retail branches as of mid-2026. The BMO branch acquisition, expected to finalize mid-2026, will add additional states and locations beyond this list.