First Citizens Bank and Trust Routing Number: Your Guide to Seamless Banking

Introduction

First Citizens Bank and Trust, renowned for its stellar banking services, plays a critical role in facilitating financial transactions across the United States. To ensure secure and efficient transfers, it utilizes a unique routing number that identifies the institution and its branch. Understanding and knowing the First Citizens Bank and Trust routing number is paramount for a seamless banking experience.

What is a Routing Number?

A routing number, also known as an ABA (American Bankers Association) number, is a nine-digit numeric code that represents a specific bank or financial institution in the United States. It acts as an address for interbank transactions and helps banks identify where funds should be sent or received.

First Citizens Bank and Trust Routing Number Lookup

To determine the appropriate routing number for your First Citizens Bank and Trust account, you can refer to the following sources:

• Check or Bank Statement: The routing number is typically printed on the bottom left corner of checks or bank statements.
• Online Banking Portal: Log into your First Citizens Bank and Trust online banking account and navigate to the 'Account Details' section to locate the routing number.
• Customer Service: Contact First Citizens Bank and Trust's customer service team at (800) 921-2020 or visit your local branch for assistance.

List of Routing Numbers

First Citizens Bank and Trust operates numerous branches across the country, each with its unique routing number. Here's a comprehensive list of routing numbers for various locations:

Understanding Routing Numbers

Each digit in the routing number carries specific information about the bank's location and processing center:

• Digits 1-4: Represent the Federal Reserve District where the bank is located.
• Digits 5-7: Identify the specific bank within the district.
• Digits 8-9: Denote the processing center handling transactions for the bank.

When You Need a Routing Number

You will typically need your First Citizens Bank and Trust routing number for the following transactions:

• Direct Deposit: Provide your routing and account number to your employer or other entities for direct deposits into your account.
• ACH Transfers: Initiate electronic funds transfers between your First Citizens Bank and Trust account and other financial institutions.
• Online Bill Payments: Pay bills online through your bank's portal or third-party services using your routing and account number.
• Wire Transfers: Send or receive wire transfers, which are high-priority electronic payments that carry a fee.

Benefits of Knowing Your Routing Number

Knowing your First Citizens Bank and Trust routing number offers several advantages:

• Convenience: Facilitate seamless transfers between your accounts and other financial institutions.
• Security: Verify the identity of banks involved in transactions, reducing fraud risks.
• Consistency: Ensure that your funds are directed to the correct bank and account number.
• Efficiency: Avoid delays and errors in processing payments and deposits.

How to Change Your Routing Number

If you move or switch banks, your routing number may change. It's important to update the routing number associated with your First Citizens Bank and Trust account to avoid disruptions in financial transactions. You can contact customer service or visit your local branch to initiate the change.

Additional Resources

For further assistance with First Citizens Bank and Trust routing numbers, consider these resources:

• First Citizens Bank and Trust website: https://www.firstcitizens.com/
• Federal Reserve Bank website: https://www.federalreserve.gov/
• American Bankers Association website: https://www.aba.com/

Conclusion

Understanding and knowing your First Citizens Bank and Trust routing number is essential for efficient and secure banking. By utilizing the correct routing number, you can confidently initiate and receive payments, ensuring smooth financial transactions. Remember to keep your routing number up-to-date to avoid any delays or inconvenience. Embrace seamless banking with First Citizens Bank and Trust, where your financial needs are met with precision and reliability.