First Citizens BancShares, Inc. (NASDAQ: FCNCA), a top 20 U.S. financial institution with more than $200 billion in assets and a member of the Fortune 500TM, is the financial holding company for First-Citizens Bank & Trust Company ("First Citizens Bank"). Headquartered in Raleigh, N.C., First Citizens Bank has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of branches and offices nationwide; commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast; innovation banking serving businesses at every stage; personalized service and resources to help grow and manage wealth; and a nationwide direct bank. Discover more at firstcitizens.com.
For the most part. I love the convenience and friendly staff. But waiting pending transaction, takes forever.
SR
Shannon Rivenbark
Jun 17, 2025
1.0
I don't bank here much since I have been a S.E.C.U. customer my entire life, but I recently took a second job that pays me with checks from this establishment. I decided to go inside the downtown branch to cash it.
This has to be the worst banking experience of my life. No hello upon entering; but then again, Im used to the S.E.C.U. way of doing things. After stepping up to the counter and handing him my check I could tell immediately there was going to be a problem. The way he looked at me like gum under his shoe was the least of it. Now, granted, I had just spent over an hour at H2Go detailing my car. And I was sweaty and dirty. I stood as he called 5 different numbers just to confirm that I was "allowed to have" the check.
I was in shock. (Im still in shock!)
After being informed "to cash the check" he hung up. I said "so I guess I didn't steal the check" his response was "well, yeah I guess"
EXCUSE ME!!!
Just because I don't look like the kind of customer your used to having doesn't make me wrong!!
And don't give me that crap about "it's policy" as I'm sure you're about to. My mother-in-law banks here as does my boss. Neither of them have EVER heard of this action unless it's from a customer out of state or suspected theft.
It was wrong. It was stereotyping and not good customer service!!
WF
Wyatt Fields
Jul 25, 2024
2.0
I go to a lot of banks as a factor of my job and I say this respectfully as constructive criticism: First Citizens will not be able to keep up with the other banks (specifically Wells Fargo, Truist, and BofA) at this level of service. The account representative was not informed and cut me off multiple times to share information that was incorrect. I am not frustrated at the representative, but on principle that experience defeats the purpose of having an account representative. Having a representative that is under-informed AND inhospitable (one of those traits alone would be passable) makes an appointment invaluable. The training department should be more thorough, I don’t necessarily blame the representative themselves.
As one last note, none of the tellers were welcoming, kind, or conversational. Every other bank achieves this flawlessly and it’s a staple of the bank experience. Consistent hospitality is an easily achievable goal and the store is harming itself by not striving for it. None of the staff appears to like their job, which may not be their fault, but it is nonetheless obvious and unpleasant.
I do not interact with the physical store all that often so I am not personally bothered by this experience, but from a business standpoint this is unsustainable. Management needs to up their game.
ST
Seven Tomek
Apr 23, 2015
1.0
The heavy set guy, with the glasses and mustache... Extremely rude and unhelpful. I will not go back to this bank.
Frequently Asked Questions About First Citizens Bank
What are the regular business hours for First Citizens Bank in Wilmington - Downtown?
First Citizens Bank is open Monday through Friday from 9:00 AM to 5:00 PM and is closed on Saturdays and Sundays.
Does First Citizens Bank offer drive-through service hours?
Yes, the drive-through is available Monday to Friday from 9:00 AM to 5:00 PM, and it is closed on weekends.
Where is First Citizens Bank located in Wilmington?
The bank is located at 315 Market Street, Wilmington, NC 28401, USA.
What types of banking products does First Citizens Bank offer?
They offer checking, savings, personal lending, home equity, credit cards, online and mobile services, business checking, business lending, business credit cards, and merchant services.
Does First Citizens Bank provide any specialized financial services?
Yes, they provide Private Wealth Advisory and Business Lender services.
Is there a convenient way to book an appointment with First Citizens Bank?
Yes, appointments can be booked online using their reservation URL at https://outlook.office365.com/owa/calendar/WilmingtonDowntown@firstcitizens.com/bookings/.
What should customers know about First Citizens Bank's holiday hours?
The bank is closed on major holidays including November 11, November 27, December 25, and January 1.
Are there mortgage lenders nearby First Citizens Bank that customers can consult?
Yes, nearby mortgage lenders include Eric Hickman, Henry Cherry, Mitch Lamm, Stacy J. Ankrum, and Paula Humphrey, who can assist with mortgage-related services.
What community services and social organizations are located around First Citizens Bank?
Nearby community and social service organizations include Operation Pretty Things, Catholic Charities, Family Promise of the Lower Cape Fear, New Hanover Disaster Coalition, Soaring As Eagles Outreach Ministry, and Cape Fear Latinos, which customers might engage with for community support.
Where can I find a nearby cafe if I want to visit before or after visiting First Citizens Bank?
You can visit Portside Cafe, a nearby coffee shop and restaurant, perfect for a break before or after your banking visit.