First Citizens Bank Avis 

9/22/2026 i have been a customer of yours for many years...i have recently received the poorest customer service of any business i have dealt with in my life..Ach wire fraud compromised my business account of many years with your company...understandably not any fault of First Citizens. However since this has happened you made the mistake of letting 2 bill payments go thru the account after a HOLD was placed on the account...therefore overdrawing my account. The payment that was overdrafted was a payment to your company First Citizens to another account of mine. You all announced that First Citizens would write me a check in the amount of that overdraft to place back in the old ON HOLD account so that i could deposit this check in order to bring this CLOSED ON HOLD account current...which makes absolutely no sense whatsover...I've waited for over 2 weeks to get this check which has never came...FIrst Citizens has even sent me a notice warning me that the account may be closed. So in the meantime i have a $2000.00 check floating around out there from FIrst Citizens that supposed to be applied toward a loan thru First Citizens which is meanwhile accumuilating interest...even though its a small amount of interest this loan would be paid off in its entirety if only i could get this ELUSIVE CHECK that no one at your bank seems to know where it might be. I have money tied up in this...and I've received the poorest service ever at this banking institution than i have anywhere in my life. I have spent hours of my valuable time on the phone with
you all to only get the same answer...we dont know....When this is all over i will be removing my multiple business and personal accounts from your company and move them to another bank who appreciates my companies business and can provide answers to problems in a timely manner, this account blunder on your part has been going on for over a month now!

My father opened an account with BMO Bank (16th St., Lincoln, NE). I was working with someone to close it. After the bank became First Citizens Bank, no one at the branch has answered the phone, returned a voicemail and the email bounced back. The only silver lining is there might be an established bank branch in my area (Virginia) that might be able to help me.

After they bought my bank account without any notice, I could not access my funds, and the fact that they decided to do this switch over Labor Day weekend when no one could call on Monday or over the weekend is absolutely absurd. Consequently, people were left for up to three days without any of their money. I am currently in a foreign country with no access to my funds, and they sent my card to the United States, where I am not located. I called their customer support four times; the first time it was closed, the second time nobody answered and the call disconnected, and the third time the automated chatbot hung up on me when I said I was a newly acquired BMO customer. When I called the fourth time, the representative was rude and dismissive, and did not answer any of my questions or provide any assistance. She only helped me set up my account, for which the preset password was genuinely the most unsafe, generic password I have ever had generated for me. I do not trust these people with my money, especially since they restricted my access to it, and I do not even have a debit card. I told the representative that I was abroad and not in the United States, but she did not offer any help; therefore, even if I receive my debit card, I do not think I can actually use it because it will likely be locked. Do not ever bank with this institution or BMO because they can apparently seize your money with no notice.

I waited over one hour before I hung up the phone with nobody ever assisting me log into my account. I finally hung up! How did we get here in the Age of AI First Citizens Bank? Brian Wood 919-579-9175

This bank recently took over my BMO branch and it has been like going from a 4 star hotel to a cheap motel where the drug dealers and prostitutes hang out! The only choices in the ATM today was deposit or check balance no withdraw option! Hopefully the bank authorities will revoke their charter.

Horrible! BMO (whom I've have banked with for over 30 years) sold to FCB and now I can't transfer my money. Who decided to sell to this trash outfit? I'm betting they lose a lot of customers because of this debacle!!!

Run....just run. This bank bought out BMO, I wasn't sent the email with the temporary code to log into the new account. BMO doesn't have my money and First Citizens customer service CANNOT FIND MY MONEY OR EITHER OF MY 2 BUSINESS ACCOUNTS. Unreal nightmare!!!!! Still on hold.

Terrible, closed my account and they charged me 25.00, no bueno do not recommend. The merge from bmo to this bank was awful. Website sucks

First Citizens Bank held my funds for 4 days over the Labor Day weekend and I had no access to an account balance. They kept telling me to use my ATM card received after the BMO buyout but would not give me access to my balance. I told them they were screwed in the head if they think any intelligent person would spend money on a card with no balance. I'm closing my account because this is ridiculous. I asked who the investors were...MOB, CHINA, JAPAN, IRAN, IRAQ? I've never heard of a bank holding money hostage for 4 days over a Holiday weekend. They of course could not answer my question but told me to just use my card without a balance. Please... how stupid are we really? It's like telling a 2 year old to stick their hands in a fire. It will be "OK", they said. I asked again how to get my balance and they couldn't answer me. I said I'm not getting pulled into your game of collecting interest on my money, holding it hostage, then trying to make me use this new card. If I use this card, then I'm committed to holding an account with them until the funds clear or card being declined at the register. I'm not stupid and I want my money. I'm closing my account tomorrow and I'm not ever going to do business with this bank, much less complete a transaction on funds stuck in the wire transfer world somewhere and I don't have access. Please...IDIOTS!!!

This bank bought my bank, BMO, and cancelled my debit card Friday September 4th without sending me a new card first. Left me without access to my money over Labor Day Weekend. F- financial institution, will be closing my accounts ASAP

Tuesday Sept 8th edit:
I have already opened new accounts with a different local bank. But can we talk about why I just went to my local First Citizens location at 1020am to withdraw my money and close the accounts and all your staff are standing outside unable to get in because the doors were never re-keyed? You wanna tell me this wasn't a horribly botched transition and ask for my account info or you wanna just admit this has been a disaster?

Worst customer service of my life. They just shift blame and try to wear the customer down. Absolutely horrible. They say they will call and they don’t. They say someone will follow up and it never happens. Horrible, horrible, horrible.

They were told about a fraudulent transaction that was pending. The 240.00 charge was posted according to the rude employee that was necessary to do a dispute.That is stupid why not believe your customer? Anyway it is still not resolved. Do not bank with first citizens they are the worst.

This bank is the worst to deal with I cannot make a payment on my truck cuz they refuse my debit card they refuse my bank card they refuse a credit card so I have to go to the get cash to go pay this bank which I am definitely getting rid of First Citizen Bank and going to a more trustworthy bank that is more a consumer trustworthy cuz they're useless I I don't recommend that anybody gets along or does any kind of dealings with First Citizen Bank cuz they are not customer friendly they don't care what you got to go through they don't care what you do to try to make your payment they don't make nothing easy so I do not recommend First Citizen Bank I would give them no stars if I could no stars

Disappointing experience at the Mauldin branch on West Butler Road.

I came in around 4 PM for help connecting my phone number to Zelle. Kim initially said she could help, but then told me my issue would “take too long” and asked me to have a seat while she helped the next customer. I was told to wait for another employee who was still out to lunch at 4 PM, despite the branch closing at 5 PM. Meanwhile, customers who arrived after me were helped, including a 20-minute Venmo therapy session for the very next customer.

I also asked about setting up credit-card processing because my business is growing quickly and I have customers wanting to pay by card. I explained that I needed to accept my first card payment soon and wanted to meet with their merchant-services representative. I was simply told it wouldn’t be possible because it would take three weeks to set up. I ultimately set up Square myself and was able to accept card payments the same day.

As a new business customer, I was hoping for a bank that would be excited to help my business grow. Instead, I left feeling more scrutinized than supported, almost as if I were viewed as a potential fraud risk rather than a new customer.

Hopefully management sees this feedback and improves the experience for other business customers.

I am a small business owner and I have a business checking account. I have read most of the reviews and I have to say they are all spot on. Transferring funds takes way too long in the year 2026 and I just discovered that first citizens bank has been charging me $1 per Zelle transaction, this is how I pay my employees. So I go back through my statement and discover not only have they been charging $1 per Zelle transaction for years, this fraudulent bank doesn’t even display the transaction on your account ledger. You have to go into the account statement and download the PDF to even see all the transactions. Shame on you First Citizens Bank for being sneaky with hidden charges. Once I line up a new business bank I will leaving

7/2/26 I called First Citizens regarding a need for a claim to be opened against a company due to a need for a chargeback. Banks can reverse a payment if you used a credit card or debit card for an issue such as mine which was due to: Defective or Misrepresented service The product or service significantly different from what was described defective or broken. Since this was the case with me.

I did on my own the first steps which was to:
Try the merchant first: which I did. I contacted the business through multiple emails as a first to attempt a resolution. I also text messaged multiple times my concerns and have their documented replies. I Documented my attempts (emails, screenshots, call logs).

People typically have 120 days or more to file a dispute.

I Provided evidence by emailing the receipts and proof that the item/service was not received.

The 1st claim opened was by a woman who barely spoke English & she entered it wrong.
2nd claim cancelled 1st, tried again a man that barely spoke English clearly in another country.
Called again, 3rd claim cancelled 2nd claim.
Got a call from the bank to verify 3rd claim, correction, to discover another incometant documentor and canceled 3rd claim to open a 4th claim.

By now the bank is like whats going on. So they Lock my account. I get the provisional charge back credit for corrected 4th claim but now my account is locked and I am being locked out of my account. Called and harrassed by the bank for doing, this.

I have no idea why they are on top of me about this when I am the one suffering and needing my dog to get specialist care from a diff dr.

I call 7/12/16 to complain and provide verbal clarification I am told tomorrow it will unlock it was locked as a security, but they were gonna remove it.
I call 7/13/26 to follow up why account still locked, get the same run around.
7/14/26 Reached out again to the CEO and Joy Fisher, called me from bank Fraud department to get my clarification that all is good, she told me she would communicate with team to unblock my account/3 hrs later, account still blocked.
I need my account.
They know I am disabled, and now it is starting to feel a lot like descrimination. They asked me a lot about a previous claim for a item that got reversed did I tell the bank I got the credit back I said yes, the lady then replies with why did younot tell the bank I am trying to explain to her that I did but not by phone call but she is yelling at me on the phone bc she has herself on speaker phone. I need this resolved today by 4pm!!!! I neeedd access to my account. I feel like my freedom has been hyjacked due to incompetant claim intake people bc they are working from foreign countries with poor phone systems not compatible with the systems in the USA. Why do I have to suffer?

The list of complaints is many and varied. I have dealt with this bank for the past nine years and used a checking account for paying bills and moving money from and to other banks. I currently have business relations with three other banks and have dealt with many over the years. First Citizens Bank has the worst customer service of any bank I’ve ever dealt with, bar none. They can’t seem to do even the simplest thing right, like closing the account. Adding insult to injury they tried to charge me a fee to close my account.

As a First Citizens bank customer for the past 23 years, I am telling you STAY AWAY from this bank! Had a fraudulent entry on two of my credit cards earlier this month. The credit cards took care to nullify the entries. I then called FCB and informed them that my Business Visa was potentially involved as well. Was told that since there was no fraud at the time, that they would monitor my account and prevent any unusual entries. A week later and $4500+ later in two fraudulent entries, I contacted the bank. Now one week after notifying them, I am still waiting for my money to be replaced. Do not trust their Zero fraud liability claim. I will be closing all my accounts once the money is replaced. Poor customer service!

I haven't used my account in a couple of months. I opened an account with another bank because First Citizens does not have a location in Burlington, NC. I signed in online and this bank thinks they are entitled to my hard earned money. I maintained a balance > 1k, but they are deducting $18 per month (I assume for inactivity). I will close my account and good riddance to this unethical bank!!!

Totally bad experience when I switched my phone number. I will be changing to SECU. They were not helpful and kept connecting me to a bot.

Thanks for your reply on this website as it feels quite for show. I have asked for a reply on your app and never received due to multiple $25 and $5 charges that were never discussed during my sign on. Im happy to screenshot those if that is helpful.