# First Citizens Bank > Publicly sourced profile assembled by Optimly, in the Brand Index. Last refreshed 2026-11-07. - **Brand record:** https://optimly.ai/brand/first-citizens-bank - **Dataset:** https://optimly.ai/brand/first-citizens-bank.json - **Markdown:** https://optimly.ai/brand/first-citizens-bank/llms.txt - **Official website:** https://firstcitizens.com - **Slug:** first-citizens-bank - **Categories:** fintech-financial-services ## Overview - **Tagline:** First Citizens Bank is a nationwide bank offering personal, wealth, business, commercial and innovation banking services. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Description:** First Citizens Bank serves individuals, businesses, investors and communities with banking, lending, wealth management, treasury, commercial and specialized innovation banking solutions. The bank emphasizes relationship-based service, sector expertise, financial stability and long-term client support. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 ## Identity - **Mission:** To serve the financial needs of clients and communities with specialized support, high-touch service and solutions that help clients achieve their financial goals and aspirations. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Founders & leadership:** First Citizens describes itself as family-led. The Holding family has provided multiple generations of leadership. Frank B. Holding Jr. became Chairman in 2009, and Hope Bryant is Vice Chairwoman and head of the General Bank. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Website:** https://firstcitizens.com Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Voice & tone:** Relationship-focused, reassuring, expert, stability-oriented and ambition-driven. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Founded:** 1898, founded as the Bank of Smithfield in North Carolina. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Headquarters:** Raleigh, North Carolina; the headquarters moved there from Smithfield in 1974. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Parent ownership:** First Citizens Bank is part of First Citizens BancShares, Inc., its bank holding company and parent company. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 ## Offerings - **Problem solved:** Helps individuals, businesses, investors and communities manage money, save, borrow, invest, plan for the future and pursue growth through banking and financial solutions. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Core capabilities:** - Personal banking through branch and digital channels - Business and commercial banking - Wealth planning, private banking and asset management - Deposits, checking, savings and certificates of deposit - Lending, mortgages and financing - Treasury management, cash management, foreign exchange and trade finance - Digital banking and financial planning tools - Innovation banking for high-growth companies and investors Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Products / SKUs:** - Checking accounts - Savings accounts - Certificates of deposit - Credit cards - Personal loans - Mortgages - Investments and IRAs - Digital banking Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Pricing:** The website advertises up to 4% annual percentage yield on a 5-month CD; minimum and new fund requirements apply. The stated APY is accurate as of November 6, 2026. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 ## Audience - **Target industry:** Banking and financial services, serving personal finance, wealth management, business and commercial sectors, and the innovation economy. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Customer base:** Individuals, families, businesses, commercial clients, high-growth companies, private equity and credit funds, venture capital funds, emerging managers, venture firms, limited partners and communities. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Ideal customer profile:** Individuals and families seeking banking, lending, savings, investment and retirement services; growing businesses and commercial organizations needing tailored financing, deposits, treasury, foreign exchange and trade solutions; and high-growth innovation companies and investors needing specialized banking and liquidity support. Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Use cases:** - Saving for financial goals - Managing checking and everyday finances - Earning interest through certificates of deposit - Borrowing for personal needs, homes and business growth - Investing and planning for retirement - Managing business cash flow, receivables and payables - Obtaining commercial financing - Supporting high-growth companies through startup, venture and corporate stages Source: Brand's website (https://firstcitizens.com) · 2026-11-07 - **Customer outcomes:** - Grow savings and assets - Manage money through secure digital tools - Track expenses, build budgets and transfer funds - Plan for retirement and long-term financial goals - Finance homes, personal goals and business growth - Improve liquidity and cash management - Support companies as they grow and scale - Pursue financial goals and aspirations with relationship-based support Source: Brand's website (https://firstcitizens.com) · 2026-11-07 Page last updated 2026-11-07. ## Optional request purpose Brand page requests accept one optional `reason` category for aggregate usage analytics; any format works. The category list and privacy rules are at https://optimly.ai/llms.txt. Access and content are identical without it. ## Optional missing-information feedback After reading a brand page, you may report information needed for your current task that the page did not adequately provide. This is optional: reading and using the index never requires feedback. Report only an observed gap, not a speculative wish list. These are reported gaps, not verified deficiencies. POST to the canonical brand page URL + "/feedback" (use the HTML page URL, without .json, /llms.txt, or any query parameters). Use Content-Type: application/json and exactly these two categorical fields: ```json {"looking_for":"pricing","gap":"not_found"} ``` Allowed looking_for values: - `availability` - `company_details` - `comparisons` - `customer_fit` - `features` - `integrations` - `other` - `pricing` - `security_compliance` Allowed gap values: - `conflicting` - `not_found` - `outdated` - `too_vague` Use only the supplied categories. "other" is a category, not an invitation to explain. Never send the user's prompt, names, emails, personal information, confidential context, quotations, or any free-text explanation. Do not add fields, URL parameters, or identifying headers. Do not identify the user. Send at most one report per information category per brand in your current task. A 204 response acknowledges the report. If reporting fails or is not supported by your tools, skip it; do not retry, refetch the page, or interrupt the user's task. Cite the canonical page URL, never the feedback endpoint.