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. 4/5Faster transaction response.

   So I do love the app but my only CC is that when I make payments, purchases, or have any transactions I like to see immediately the results of it. I could care less to even joke with the idea I need to know my entire balance without the pending sales. It’s a waste of time and it gets confusing in the mobile app to see both and then see what’s pending in transactions. I can’t keep up with weather or not the numbers are accurate with what’s been paid for already. Especially can’t stand that my credit card bills and mortgage payments don’t come out IMMEDIATELY from the accounts they take literal days for them to even come out of my account. If I’ve had to take the time to set up the information to another server of all the direct account information it should take no longer than 24hrs to show transactions of that out. I do love the app otherwise. It’s super helpful to have the account information secure but at fingertips if needed for another server. Also higher security 🖤 Great customer service at all banks I’ve visited. Fast delivery for cards! ATMs are usually not to far apart and in good clean lit areas of use. Usually near great places! All in all great bank - good app. 👌🖤🙏

   NillaB95 · 30 Aug 2026

4. 5/5New experience

   Ok For over 12 years, I was a customer ( daily banking, credit card, checking, money market savings) with a competitor of FC, let them remain in named ( wagon train) After several issues with my account durning the beginning of the Covid crisis, I was less than impressed with the customer service I received. The Wagon train bank was closed, you could enter by “ appointment only” and the drive thru was the only means of banking with my Former ( the wagon train) bank I was shocked to say the least Then I had a Wonderful new experience, when I entered the First Citizens Bank, yes they were actually open and welcoming, I was totally impressed with ALL the employees. All smiles, all willing to help, and all introduced themselves. At the Stantonsburg Rd location in Greenville NC, if you would like a totally New Experience, then give them a try! You won’t be disappointed, maybe surprised at such wonderful customer service, but not disappointed Dan Carraway Greenville NC

   yankeedan99 · 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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