First-Citizens Bank & Trust Company in Raleigh, NC

First Citizens Bank & Trust Company operates as a comprehensive financial institution providing banking services across personal, small business, commercial, and wealth segments. com, offering digital-first banking solutions alongside traditional branch services. The company's service portfolio spans personal banking (checking accounts at multiple tiers including Primary, Premier, and Prestige Checking), savings products (CDs, Money Market, Online Savings), credit cards with various reward structures (Cash Rewards, Travel Rewards, Secured Cash Back), mortgage products (fixed-rate, adjustable-rate, VA/FHA/USDA loans, jumbo loans, refinancing), consumer loans (auto, home equity, home improvement), and retirement accounts (Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA).

The bank also offers investment services, insurance products, and educational resources across banking, investing, retirement, and financial planning topics. First Citizens distinguishes itself through specialized lending expertise across multiple sectors including agribusiness, healthcare, manufacturing, nonprofits, and skilled trades. For commercial clients, the bank provides asset-based lending, capital markets services, commercial real estate financing, merchant services, and treasury management.

The wealth division offers trust services, private banking, institutional asset management, retirement plan services, and charitable advising—services typically associated with larger regional or national banks. As a traditional bank with broad product offerings, First Citizens serves as a general-purpose financial institution. However, prospective customers should note that the website provides limited information about specific terms, rates, fees, or minimum balance requirements.

The breadth of services suggests this bank competes on convenience and relationship banking rather than specialized lending or alternative financial products.