First Citizens Mobile Banking

• Free

Last verified 30 Aug 2026

4.6 38595 ratings · App Store

1. 5/5Payroll Deposits

   I love the app in general. It’s easy to use and understand! The only thing that I don’t care for is how my Social Security check isn’t posted to my account at midnight on the date it’s supposed to be! It’s shows up on the date as pending transaction. And I can’t see if it’s been deposited by Social Security as a pending deposit on the actual date that Social Security sends it to the bank! Every bank and credit union I have dealt with for the last 20 years post the deposit on the date it’s received and it shows up as a pending deposit with the date its supposed to go into my account! Cause if I’m not mistaken by federal law once Social Security sends the deposit to the financial institution for the customer’s account it has to be shown as received by the financial institution. That’s because it’s sent to the financial institution at the minimum of three days prior to the funds actually being posted to the customer’s account. So the financial institution can’t hide the deposit from the customers account that’s a prohibited practice! Cause basically that would mean that it’s not deposited at midnight on the date it shows from Social Security for such deposit! The customer can’t access his funds until later in the afternoon of that date instead at midnight or close to it on that date!

   Maw-Maw to 8 · 30 Aug 2026

2. 5/5This app is great!

   I rarely take the time to write reviews, but I will for FCB digital banking. I have been a customer for almost thirty years. It took me some time to adjust to, and trust in, the digital banking when it first began. Over time I have grown to trust it and love the convenience. When I do need to go to the bank branch (Reidville Rd., Spartanburg SC.) they are always very helpful. (Denise O’Shields is my long-time loan officer and she is a hoot. She will bend over backwards for you. Pay ATTENTION to that FCB personnel and let her know that got a shoutout.) Mostly I need the bank branch for personal loans. They even helped me get my son started on his banking needs. He is now 22 yrs. old with excellent credit and doesn’t need me to co- sign any loan (stop bragging you moron; no one wants to hear that. “I tell myself”.) As for the social security review, I can tell you from many years of personal experience, you can trust that your SS money is going into your account on the day of; yes at 12:00am. All transaction you make, digital or physical, that are made that day before 3:00pm, will clear on the same day you make your transaction. So, your money is safely in your bank, even at 12:00am.

   SC GamecockFan · 30 Aug 2026

3. 4/5Feedback

   I like the FCB app very much and enjoy using it. It is well laid out and easy to navigate. I am aware that things can happen from time to time and I appreciate the way that you alert your customers that there has been some sort of problem and that it is being addressed. What prompted me to write this review was your recent removal of a feature that my wife and I both used quite frequently. Being able to transfer money between our accounts and have it occur almost instantaneously was extremely beneficial to us. When I inquired about it at the bank, I was told I would have to use Zelle. The transfer is now taking days instead of minutes. I guess this is just a preference where we preferred the old way but as long as we can still do it, we will adapt. And by the way, I wanted to add that the people at my bank are some of the nicest people in the world to deal with. They always greet me with a smile and are very professional. It makes me feel like I am more than just an account number. Thank you !

   MMCW7777 · 30 Aug 2026

4. 5/5Getting Better Every Year

   I reviewed the First Citizen app before. In the time since, First Citizens has made great strides in mobile banking. You can still visit their brick & mortar branches for service & assistance, phone assistance, as well as having an in-app messaging system. They offer a recurring bill pay for things like paying your mortgage, landlord, & etc. They offer a service option to send money. You can pay your credit card payment in app too. First Citizens has a budgeting system to show where your money goes each month to. In nearly four decades First Citizens has provided excellent service for me. My husband opened his account with them nearly fifty years. Our adult children started their savings program here as well as the local state credit union. First Citizens provides the best service for people of all ages, even children/grandchildren.

   @raven · 30 Aug 2026

5. 3/5Provides Good Utility but could be so much more

   I’ve been a First Citizens customer for over 40 years. There have been a few bumps in the road but overall they have provided great service. I was very excited when the site was announced. I was ready to dump Mint, Quicken and other methods. The online tool certainly provides the necessary banking functions. I wish there were three additional tools. First I wish there was a view in the check register that included a running balance and a place for more details on the purchase. Yes a little old school but it would be helpful when there is the rare discrepancy. Secondly, a budget tool that tracked spending with a report that can be printed. Again a little old school but would help track business, tax filing and vacation related expenses. Finally and more related to purchases and not online banking but text alerts for unusual debt card usage. Having recently had a fraudulent charge it would be nice to have the option to approve debt card useage via a text response. Common recurring expenses that are tied to the card could be pre-approved. But a purchase over a certain amount would trigger a text asking for approval before the charge is processed.

   AnalyticalNotCritical · 30 Aug 2026

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