We are a locally-owned financial institution with enough size to compete technologically while still being able to provide exceptional personal service. We want to inspire financial well-being for everyone. If you're already a customer, thank you. If you are considering First Citizens, we look forward to providing you with forward-thinking products, checking and savings accounts, and loans that will fit your lifestyle.
I have been banking here for over 45 years. Always excellent service and wonderful staff. Would not consider going anywhere else!
KL
Kyle Logmao
Jan 30, 2026
1.0
Avoid this bank at all costs. Most banks charge a single $35 overdraft fee—but this one will drain your account. My overdraft fee was way more than the actual amount that caused it, totaling over $200. Even after being hit six times, they refused to waive a single charge. Their statements aren’t updated in real time, so you can’t track what’s going in or out—making it almost impossible to avoid overdraft. They rush you through account opening, barely explain the fees, and it feels like a deliberate trap. Completely inhumane. I’m closing my account immediately—and you should do the same.
MM
Michcal Mesch-Listo
Aug 11, 2022
1.0
Snotty rude tellers don't deserve to have business
BB
Brock Bahlmann
Oct 20, 2020
5.0
One of the best banks around, the staff are amazing, easy to work with and helpful in every way.
Frequently Asked Questions About First Citizens Bank
What are the regular drive-thru hours at First Citizens Bank Charles City Branch?
The drive-thru is open Monday to Friday from 8:00 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM, closed on Sundays.
When is the First Citizens Bank Charles City Branch open for in-person banking?
Branch hours are Monday to Thursday from 8:30 AM to 4:00 PM, Friday from 8:30 AM to 5:00 PM, and closed on Saturdays and Sundays.
Are there any holiday closures or special hours at this branch?
Yes, it is closed on November 11, November 27, December 25, and January 1, with limited hours on December 24 (8:30 AM to 12:00 PM) and December 31 (8:00 AM to 4:00 PM).
Does First Citizens Bank Charles City Branch offer ATM services?
Yes, the branch provides 24x7 ATM access along with after-hours night deposit services.
What banking products are available at First Citizens Bank Charles City Branch?
Products include checking and savings accounts, personal and business loans, mortgages, auto and student loans, certificates of deposit, and more.
Is the First Citizens Bank Charles City Branch accessible for customers with disabilities?
Yes, the branch has wheelchair accessible seating, restrooms, and drive-thru facilities.
Is it necessary to make an appointment to visit the branch?
No, appointments are not required to visit this branch.
What are some nearby financial services that customers can visit alongside First Citizens Bank?
Nearby are First Citizens Investment Center and Edward Jones for additional financial advising and services, as well as H&R Block for tax assistance.
Are there shopping or leisure places near First Citizens Bank Charles City Branch suitable for customers before or after banking?
Yes, customers can visit Birdie and Bos for children's clothing, Stitches Fabric & Yarn Shoppe for crafts, SAGA Boutique for women's clothing, and JJ's Toys for hobby needs nearby.
Where can customers find food and coffee options near the bank?
The Barbers 4, The McCoy Smoothies and More, and Aromas coffee shop are nearby options for refreshments before or after your visit.
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