First Citizens Bank
Originally named as Bank of Smithfield, First Citizens Bank opened its doors on March 1, 1898. It is regarded as the first bank in Johnston County, North Carolina. The bank was formed to meet the needs of agricultural economy of the place. Thus, agricultural lending is its foremost business. However, it still diversified its business offers to include personal banking. It also catered to providing the financial services for small to medium sized businesses.
The strength of its foundation as well as its commitment to provide financial services has contributed to the success of First Citizens Bank. Its sound business strategy has also attributed to its continuous progress.
Aside from serving its markets in Eastern North Carolina, the bank has also expanded its markets to include other cities and areas of various American states. First Citizens Bank locations can now serve customers in Virginia, Tennessee, Maryland and West Virginia.
The bank recently numbers its branches to 340 in those states including North Carolina.
Currently, First Citizens Bank maintains a head office in Raleigh, North Carolina. It is a subsidiary of First Citizens Bancshares, Inc., a public company with class-A common stocks traded in NASDAQ. It is among the largest family-controlled companies in the United States.
Aside from First Citizens Bank, the bank holding company also controls Iron Stone Bank which provides the premium financial services and products in several communities in America that can include California, Colorado, Arizona, Florida, New Mexico, Texas, Oregon, Washington and Georgia. By far, First Citizens Bancshares, Inc has operations in 14 states in America through its two banking subsidiaries.
First Citizens Bank provides a broad range of personal financial products and services. Its traditional banking products have been distinctly designed to make it attractive to its markets. Its served markets can deposit their cash through its checking and savings account. They can also make deposits in certificate of deposit accounts or individual retirement accounts if they wish their money to grow for future utilization.
First Citizens Bank can also grant lines of credit products and services to its customers. Clients can apply for personal loans, home equity and mortgages. It is also possible to seek for credit cards at First Citizens Bank.
Aside from the mentioned financial services, customers can avail of other services from First Citizens Bank. Its telephone banking service can connect clients and prospects to customer service representatives that deal with inquiries, complaints and other banking concerns.
Its international services can consist of foreign currency exchange whereby clients can buy or sell bank notes from other countries. First Citizens Bank may also engage in selling traveler’s checks.
Customers of First Citizens Bank can also have the opportunity to apply for a Visa check card of Visa gift cards. The First Citizens Bank online banking system can connect individuals to more convenient banking privileges with the bank.
Individual customer can know more of First Citizens Bank financial offers through logging on at the bank’s website. There can be other things that First Citizens Bank can do with its personal clients.
Meanwhile, First Citizens Bank can also provide different banking solutions for business clients. It may be possible for business clients to obtain online banking accounts from the bank. The bank can also cater to wealth management services for its personal clients and business clients.
Some of First Citizens Bank financial products such as investment, brokerage and insurance products can also be provided to its clients. The bank offers life insurance, automobile insurance and homeowners insurance.
Meanwhile, some of the bank’s offers can be acquired through the bank’s subsidiaries. Its subsidiaries can include: First Citizens Investor Services, Inc.; IronStone Securities, Inc.; and Neuse Financial Services, Inc.
First Citizens Bank has a commitment to service. It delivers its businesses with the guidance of the corporate vision. The company performs in parallel with its core values.