First Citizens Bank Routing Number
The First Citizens Bank routing number varies based on the state that you opened your account in and the transaction type you are about to make. Some common routing numbers are 053100300 for North Carolina and domestic wire transfers, 122037760 for California, and 067092022 for Florida.
You can help avoid the hassle and delay of inaccurate and/or late direct deposits, ACH payments, and wire transfers by using the right routing number.
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First Citizens Bank Routing Numbers by State
First Citizens Bank has various routing numbers for various states. For instance, 053100300 is used in North Carolina, 122037760 for California, and 067092022 is assigned to Florida.
You might be able to find your routing number by looking at the state in which you opened your account. To confirm the routing number for your account, check on First Citizens Online Banking, your paper checks, or contact customer support.
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First Citizens Bank SWIFT Code for International Wire Transfers
A SWIFT code is necessary for international wire transfers, as is a routing number. The primary SWIFT/BIC for First Citizens Bank and Trust Company is FCBTUS33XXX, which belongs to the bank’s headquarters in Raleigh, North Carolina.
Note that the SWIFT/BIC may vary by branch, service, or legacy banking institution or entity, such as CIT Bank. Moreover, First Citizens Bank may have multiple SWIFT/BICs. When sending a wire transfer abroad, make sure the SWIFT code is correct for the bank and transaction requirements. The proper SWIFT code can alleviate the risk of delays or transfers that fail.
How to Find Your First Citizens Bank Routing Number
Finding your First Citizens Bank routing number is simple once you know where to look. This 9-digit code is used to identify your bank during financial transactions such as direct deposits, ACH transfers, wire transfers, tax refunds, and automatic bill payments. Using the correct routing number helps ensure your money reaches the right account without delays or processing errors.
The easiest place to find your routing number is on a First Citizens Bank paper check. It appears at the bottom-left corner as the first group of nine digits. If you don’t have a checkbook, you can also locate it by signing in to your First Citizens Online Banking account or using the mobile banking app, where your account details and routing information are displayed.
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What Is a Bank of First Citizens Bank Routing Number?
Routing Number Security Tips
Keep your First Citizens Bank Routing Number and account information secure by sharing them only with trusted employers, businesses, and verified payment providers. Enable account alerts, monitor your transactions regularly, and be cautious of phishing emails or fraudulent requests for your banking details.
ACH Routing Number Explained
A First Citizens Bank ACH routing number is used to process electronic payments through the Automated Clearing House (ACH) network. It is required for direct deposits, payroll, recurring bill payments, tax refunds, and other electronic transactions. Using the correct routing number helps ensure fast and accurate payment processing.
Wire Transfer Routing Number
Wire transfers require the correct First Citizens Bank Routing Number to send or receive funds securely. Domestic wire transfers may use a different routing number than ACH payments, while international transfers also require a SWIFT/BIC code. Always verify your wire instructions before sending money.
Domestic vs International Transfers
Domestic transfers move funds between banks within the United States using an ABA routing number. International transfers require additional banking details, such as a SWIFT/BIC code and recipient information. Providing accurate details helps avoid delays and ensures secure transactions.
Why Some Banks Have Multiple Routing Numbers
First Citizens Bank Routing Numbervary by state because accounts are assigned based on the location where they were originally opened. This regional system helps process electronic payments efficiently. Always use the routing number associated with your specific account.
Can Routing Numbers Change?
In certain situations, First Citizens Bank Routing Number may change due to bank mergers, operational updates, or account changes. If a routing number changes, First Citizens Bank typically notifies affected customers before the update takes effect.
What Happens If You Enter the Wrong Routing Number?
Entering an incorrect First Citizens Bank Routing Number may cause delayed payments, rejected transfers, or returned deposits. Before submitting any ACH payment or wire transfer, verify both your routing number and account number to avoid processing errors.
Routing Number for Direct Deposit
To receive payroll, government benefits, or recurring payments, you'll need your First Citizens Bank Routing Number along with your account number. Using the correct routing information ensures your direct deposits are processed quickly and securely.
Routing Number for Tax Refunds
When choosing direct deposit for your federal or state tax refund, you'll need your First Citizens Bank Routing Number and account number. Accurate banking details help ensure your refund is deposited without delays.
Routing Number for Online Payments
Many online payment services require your First Citizens Bank Routing Number to verify your bank account. Once verified, you can securely pay utility bills, subscriptions, loan payments, and other recurring expenses through electronic transfers.
Is Your Routing Number Private?
A First Citizens Bank Routing Numberidentifies the bank, not your individual account. While it is not confidential, it should only be shared with trusted organizations when combined with your account number to help protect your financial information.
Common Routing Number Mistakes
Common mistakes include using the routing number from the wrong state, confusing the routing number with the account number, entering incorrect digits, or using outdated banking information.
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First Citizens Bank Wire Transfer Routing Number
First Citizens Bank’s routing number is typically 053100300 for both domestic and international wire transfers. This routing number is for wire transfers and sometimes may vary from the routing number used for ACH payments. Always verify the routing number before sending a wire transfer to help avoid delays or rejected transactions.
Tips for a Successful Wire Transfer
Make sure to check the routing number, SWIFT code, recipient’s account number, and account name before initiating a wire transfer. Confirm if the transfer is domestic or international, as the banking information can be different. When in doubt, call First Citizens Bank prior to performing the transaction or call to ask for the routing number and/or SWIFT code.
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Where Can You Find Your Bank of First Citizens Routing Number?
On a Check
If you have a First Citizens Bank paper check, finding your routing number is simple. The 9-digit First Citizens Bank routing number is printed in the bottom-left corner of every check, followed by your account number and the check number. This routing number is required for ACH payments, direct deposits, electronic bill payments, and domestic wire transfers.
First Citizens Bank Mobile Banking App
The First Citizens Bank Mobile Banking App allows you to access your routing number anytime from your smartphone. After signing in securely, select your checking or savings account and open the account details section to view both your routing and account numbers. This makes it easy to complete payroll forms.
First Citizens Bank Online Banking
You can also locate your First Citizens Bank routing number through Digital Banking. After logging into your online account, choose the account you want to use and navigate to the account details or settings page. Your routing number and account number will be displayed for eligible accounts, making it convenient to set up recurring payments, receive tax refunds, or transfer funds between financial institutions.
First Citizens Bank Statement
Your monthly First Citizens Bank account statement is another reliable place to verify your routing information. Whether you receive electronic statements or printed copies, your banking details can help you confirm the correct account information before completing financial transactions. Reviewing your statement carefully helps reduce errors when setting up automatic payments, employer direct deposits, or ACH transfers.
First Citizens Bank Customer Service
If you're unsure which First Citizens Bank routing number applies to your account, contacting customer service is the safest option. A banking representative can help verify the routing number based on where your account was opened and answer questions about direct deposits, domestic wire transfers, ACH payments, and other banking services.
First Citizens Bank Official Website
The First Citizens Bank official website offers helpful resources for customers who need to find or verify their routing number. You can use the bank's routing number finder, review Digital Banking support articles, and access guidance for ACH transfers, wire transfers, direct deposits, and electronic payments. Using official banking resources helps ensure you're working with the most accurate and up-to-date routing information.
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Final Thoughts
The First Citizens Bank routing number and transactions vary by state. Some common routing numbers are 053100300 (North Carolina), 122037760 (California), and 067092022 (Florida). When sending payments to international recipients, use the right SWIFT code and routing number. Getting banking information correct prior to transfer will make sure that your transfer goes without any trouble to the bank.
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Frequently Asked Questions
Internal and external wire transfers typically take place with the First Citizens Bank code 053100300.
Yes. States have different routing numbers, such as California’s 122037760, North Carolina’s 053100300, and Florida’s 067092022.
The main SWIFT/BIC is FCBTUS33XXX. Other SWIFT codes could be used for certain branches or legacy banking institutions.
It is available via Online Banking, on paper checks, or by calling First Citizens Bank Customer Service.
Be sure to verify the routing number, SWIFT code, account number, account holder name, and the type of transaction (domestic or international) before you complete the payment.