Skip to content


What is the FCCB routing number?

The routing number for First Citizens Community Bank is 031309589.



Why do I need to come into a branch after I apply online?

Our online forms are used to speed up the application process. When you come to your nearest branch, our staff will have you verify your identity, sign documentation, answer any questions, and help you fund your account.



How do I sign up for e-statements?

  1. First, complete our simple e-statement online application by clicking here.
  2. Next, keep your eye out for an email from [email protected]. This email contains your username. Your e-statement password will be mailed to you in 5-7 business days via the US postal service.
  3. Once you’ve successfully signed up for e-statements, each month you will receive an email notifying you your statement is available.
  4. Login to your e-statement account by clicking the red online services button at the top of our website. Use the dropdown to select e-statements. Access up to 12 months of statements online.
  5. Please remember, NetTeller Online Banking is not your e-statement. 



Can I reset my NetTeller Online Banking password?

Yes. If you’ve forgotten your NetTeller Online Banking password or locked yourself out of your account, please call us at (800) 326-9486 and one of our Customer Service Representatives will help you reset your password and access your account. In the meantime, we offer our customers the ability to reset their NetTeller passwords without assistance by simply creating a unique question and answer within the NetTeller platform. Click here to follow the steps and create your NetTeller reset password.



How do I apply for a First Citizens scholarship?

Our annual scholarship deadline is March 15th each year. To apply, click here and download an application. 



What do I do for a lost or stolen card?

  • To report a lost or stolen debit card:
    • During business hours, call 1-800-326-9486
    • After hours, call 1-800-528-2273
  • To report a lost or stolen FCCB credit card:
    • Consumer or Business card, call 1-888-582-3375


 COVID-19 Related FAQ's

1.  If my bank temporarily reduces branch access or is not open, is my money insured?

  • Banks may temporarily limit operations to protect the health of their employees and customers by closing lobbies and only operating drive-through banking and ATMs. Regardless of the bank’s operations, your money is insured by the FDIC.  When you deposit your money at a bank, you get the comfort of knowing that your funds are secure and insured by the government.  Deposits with an FDIC-insured bank will continue to be protected up to at least $250,000.  The FDIC has a number of deposit insurance resources to help you determine your deposit insurance coverage. Visit for more info.
    • Especially helpful is the Electronic Deposit Insurance Estimator (EDIE). 
    • And, you can call one of their Deposit Insurance Specialists at 877-275-3342 between 8:30 am and 5:00 pm.

2.  Will there be enough cash during a pandemic or national disaster?

  • The Federal Reserve System has and will continue to meet the currency needs of banking customers.  Be assured that sufficient resources are available to handle customer needs. Keep in mind, the safest place for your money is inside a bank.  Banks will continue to ensure that their customers have access to funds either directly or electronically. Inside an FDIC insured bank, your funds are protected by the FDIC.

3.  How can I get an increase to my First Citizens Credit Card limit?

  • Beginning April 1 – May 31, 2020, TCM, our credit card provider, will be offering a Skip-a-Pay option for impacted cardholders.  The TCM customer service line is 1-800-883-0131 which can be used to request a line increase or participate in the Skip Payment program.

4.  How can I get an increase to my First Citizens Debit Card limit?

  • Contact your local First Citizens branch or call 800-326-9486.

5.  Will I be charged a penalty if I need to close or withdraw funds from a CD before maturity because I am experiencing financial hardship from the Coronavirus?

  • No early withdrawal fees will be charged if someone needs access to CD funds because they are being financially impacted by the Coronavirus.  We do recommend you withdraw only what you think you will need, deposit those funds into your FCCB checking or savings (instead of taking cash for safety reasons), and open a new CD with the remaining funds you do not need.  This waiver of early withdrawal penalties is in effect until June 1, 2020.

6.  Will I be charged for using another bank’s ATM?

  • We will waive the fee we charge a customer for using another bank’s ATM until June 1, 2020.  However, the fee charged by the bank who owns the ATM will continue to be passed to the customer.    Please visit us at and select the Locations and Hours button at the top of the page to find our AtM locations.   

7.  What should I do if I am no longer working due to the Coronavirus and cannot pay my loans or bills on time, or need additional funds for living expenses?

  • Before you skip any payments, please contact your lender or service provider to discuss your situation.  You may be able to defer your payments for a certain period of time without penalties or negatively impacting your credit score. 

We have created the FCCB COVDI-19 Payment Relief Program for First Citizens business and consumer loan customers who are experiencing financial difficulty due to the Coronavirus. All First Citizens Lenders have been trained on these programs and are ready to serve our customers. Below is a summary of what’s included in this program:

  • All late fees for payments due in March, April, and May on any First Citizens consumer or commercial loan will be waived.

  • For Consumers, interest-only payments can be arranged for 60 days.  If this is not sufficient, full payment deferral for 60 days can also be discussed with a lender to determine if the customer meets the criteria.

  • For Businesses:
    • The borrower must provide us with documentation of application made to the Small Business Administration (SBA) for an Economic Injury Disaster Loan or a similar state or local government program as they may be established.

    • If the business is not in the hospitality industry (restaurants, bars, etc.), we will consider a 60-day interest-only payment arrangement or a 60-day payment deferral arrangement.  If the business is in the hospitality industry, we will consider a 120-day interest-only payment arrangement or a 120-day payment deferral arrangement.

  • In addition to loan payment modifications, we are offering our customers a Home Equity Line of Credit (HELOC) with a special reduced APR of 1.99%. 
    • This is only available to First Citizens Mortgage or Home Equity Customers.
    • This product is for new money only and is not to be used for refinancing an existing loan.
    • Customers must have a credit score of 700 or higher to obtain this loan.
    • The 1.99% APR will be valid for 12 months.  After 12 months, the rate will convert to Prime or 4.00%, whichever is higher.