First Citizens Bank has a long-standing history, having been established in 1898 in North Carolina as the Bank of Smithfield, with a starting capital of just $10,000. Initially, the bank primarily served agricultural customers in Johnston County. Over the decades, under the leadership of R.P. Holding and later his descendants, the bank expanded its reach beyond Smithfield to Raleigh and subsequently to other parts of North Carolina and eventually to several other states. The bank saw substantial growth, particularly in the 1970s, when it moved its headquarters to Raleigh, and its assets surpassed $1 billion. By 1994, the bank expanded beyond North Carolina by acquiring a bank based in West Virginia. In 1997, First Citizens chartered and launched a federal thrift subsidiary, Atlantic States Bank, to serve the Atlanta market, marking the beginning of its coast-to-coast expansion. The bank continued to grow and remain stable even during challenging times, such as the great recession in 2009. In recent years, First Citizens Bank merged with CIT, significantly growing its footprint​.

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The bank operates under the holding company First Citizens BancShares, Inc., headquartered in Raleigh, North Carolina. It's a Federal Reserve Member Bank and FDIC insurance certificate number 11063. The bank has different routing numbers depending on the location and the type of transaction, but one common routing number for wire transfers is 053100300. Another routing number associated with the bank is 275071288; routing numbers vary by state. Here is the list of First Citizens Bank Routing Numbers CLick Here. As of the latest available data, First Citizens Bank operates with 547 branches across 21 states and 1080 ATMs, with a significant presence in North Carolina, South Carolina, California, Virginia, and Georgia​.

When it comes to banking policy, First Citizens Bank has a Deposit Account Agreement which governs all deposit accounts with the bank. This agreement is a legally binding contract that outlines the terms and conditions of maintaining a deposit account with First Citizens Bank​.

Although the bank's category and class weren't directly stated in the sources, the details provided reflect its status as a significant financial institution with a broad and evolving footprint across the United States, offering a variety of banking products and services to meet individual and business financial needs.


Bank Name First Citizens Bank
Headquarters 239 Fayetteville Street, Raleigh, North Carolina 27601
Bank Class State Chartered - FED Nonmember Bank
CEO Frank B. Holding Jr.
Bank FDIC Certificate #11063
Swift Code FCBTUS33XXX
Atm's 1080
Location 547 Branches in 21 states
Routing Number Click Here
Customer Service 1 (888) 323-4732
Credit Card Support 1 800-543-9000
Number of Employees 10,375
Area Served United States


Arizona 122187335
California 122037760
Colorado 102089644
Florida 067092022
Georgia 061191848
Illinois 275071288
Kansas 101089823
Maryland 055003463
Michigan 275071288
Minnesota 275071288
Missouri 101089810
Nebraska 053100300
Nevada 053100300
New Jersey 053100300
New Mexico 107089652
North Carolina 053100300
Oklahoma 103089834
Oregon 123084958
South Carolina 053906041
Tennessee 064008970
Texas 114993906
Virginia 051401836
Washington 125107671
West Virginia 051503174
Wisconsin 275071288


A SWIFT code, also known as a BIC (Bank Identifier Code), is a standard format for uniquely identifying banks globally, especially during international transactions. It comprises 8-11 characters. The first 4 characters represent the bank's code, the next 2 denote the country, followed by 2 for the city. The remaining characters (which are optional) specify the bank's branch. This system ensures secure and efficient cross-border transfers. For instance, when sending money overseas, one would need the recipient's bank SWIFT code. It acts as an address that tells where to send the money, ensuring funds reach the correct institution.


FCBT Bank code
US Country code
33 Location code
XXX Branch code
  • Country code A-Z

    2 letters representing the country the bank is in.

  • Location code 0-9 A-Z

    2 characters made up of letters or numbers. It says where that bank's head office is.

  • Branch Code 0-9 A-Z

    3 digits specifying a particular branch. 'XXX' represents the bank’s head office.


Below is a list of some important events in banks history, including mergers and acquisitions.

01-01-1898 Institution established. Original name: First-Citizens Bank & Trust Company.
08-20-1967 Main Office moved to 241 Market Street, Smithfield, NC 27577.
01-29-1971 Acquired The Haynes Bank (5945) in Cliffside, Nc.
05-01-1974 Main Office moved to 241 Market Street, Raleigh, NC 27601.
09-30-1974 Acquired The Bank of Commerce (16178) in Charlotte, NC.
09-30-1974 Acquired The Bank of Coleridge (372) in Ramseur, NC.
11-01-1979 Acquired Bank of Conway (12264) in Conway, Nc.
09-01-1981 Main Office moved to 317 Fayetteville Street, Raleigh, NC 27602.
12-15-1981 Acquired Commercial & Savings Bank (14362) in Boonville, NC.
12-15-1981 Acquired Commercial & Farmers Bank (2020) in Rural Hall, NC.
06-29-1983 Acquired Peoples Bank of North Carolina (19773) in Madison, NC.
03-28-1985 Acquired First State Bank (376) in Winterville, NC.
07-11-1985 Acquired Farmers Bank of Sunbury (373) in Sunbury, NC.
02-05-1990 Main Office moved to 239 Fayetteville Street, Raleigh, NC 27601.
09-21-1990 Acquired Heritage Federal Savings and Loan Association (30613) in Monroe, NC.
09-21-1990 Acquired North Carolina Savings and Loan Association, F.a. (32936) in Charlotte, NC.
01-01-1991 Acquired Mutual Savings and Loan Association, Inc. (30078) in Charlotte, NC.
07-01-1991 Acquired First Federal Savings Bank (29165) in Hendersonville, NC.
06-19-1993 Acquired Caldwell Savings Bank, Inc., S.s.b. (32350) in Lenoir, NC.