First Citizens Bank lacks communication… First Citizens Bank lacks communication as to what happens after paying off your loan! They produce a letter that attempts to explain their procedure to receive your title the day after the loan is paid off. But don't mail the procedures letter until after they electronically submit the request to DMV, which could be up to 10 days after! Go figure it took them the full 10 days to electronically send to DMV! So I received their procedures letter 2 days after they electronically submitted to DMV, and it states that the DMV could take 30 days to process. After speaking w 2 representatives neither of them had a solution as to why in today's world of instantly taking your money, that it takes them 10 days to email/electronically send a notice? Why they don't mail their procedures letter until after they send the email/electronic notice, instead of the date it's printed/produced? Guess they are no longer the small town bank! Rant over!

Just don't and save the headach Avoid the headache by steering clear of this particular bank. FCB proves to be quite challenging to navigate. Its excessive self-regulation only serves to complicate otherwise straightforward transactions. Furthermore, their fees are unreasonably high without clear justification. Navigating FCB's web interface is a cumbersome task due to its complexity. With numerous alternative banks available, why subject yourself to unnecessary challenges unless you enjoy the ordeal?

Mortgage nightmare I was given a preapproval letter for a mortgage. When it came time to close they could not figure out why my DTI was too high. It took them 7 days to figure out that they had placed 2 car loans on my application while I only had 1. They delayed my closing date twice, I will have to pay thousands for an Airbnb while I wait for the pushed closing date, and they refuse to provide compensation for their mistake. This is absolutely unacceptable and immoral for a company of this size to not pony up for a mistake they had made.

Poor Customer SErvice We had a business checking account with First Citizens in Taylorsville, NC. I was having problems logging in and it would not allow me to reset my login password. I called their support number gave them all the requested info to prove that I was the customer and they told me I had to go to the bank and take my ID to reset my password for online banking. I went to the bank and closed my account. They didn't even care - not surprised. This is the second time I have tried doing business with them and their customer service is lacking.

So Happy this is MY BANK! As always I am again sad to see so many poor reviews. I have been with First Citizens for many years. I sent a message through my account and even though they say they would respond in 24 hours, my response was less than 8 hours. I feel like they are ALWAYS watching out for me.