Finding your First Citizens Bank routing number doesn't have to be a guessing game. If you're setting up a direct deposit, scheduling an automatic bill payment, or transferring money, you need the right nine-digit code. Using an incorrect number can cause direct deposits to bounce or wire transfers to stall for days.
For general electronic payments and ACH transactions, your routing number often depends on the state where you opened your account. However, nationwide wire transfers typically rely on a single primary identifier. Let's break down exactly how to find your correct number, state-by-state variations, and how to verify it on your checks or online banking portal.
How to Find Your First Citizens Bank Routing Number
Your routing number is a nine-digit code used by financial institutions to identify the specific bank branch involved in a transaction. Depending on what kind of transaction you're making, the number you need might vary.
If you are looking at a physical check, finding your number takes seconds. Look at the bottom-left corner of your check. You will see a string of numbers grouped in a specific sequence: Additional insights into this topic are detailed by Associated Press.
- The first group of nine numbers is your routing number.
- The second group of numbers is your account number.
- The final group represents your unique check number.
If you don't have a paper check handy, you can log into your First Citizens Online Banking account. Your routing number is typically listed under your account details page, or you can check your digital statements where account specifications are outlined.
State-by-State ACH and Electronic Routing Numbers
Unlike banks that utilize a single universal code for all operations, First Citizens Bank uses different routing numbers for electronic payments and ACH transfers based on the state where your account was established.
Here are the correct routing numbers for electronic transactions and paper check orders across major states:
- North Carolina & South Carolina: 053100300 (North Carolina) / 053906041 (South Carolina)
- California: 122037760
- Florida: 067092022
- Georgia: 061191848
- Texas: 114993906
- Virginia: 051401836
- Arizona: 122187335
- Colorado: 102089644
- Maryland: 055003463
- Washington: 125107671
If your state isn't listed here, the safest route is to log into your online portal or check the bottom of your checkbook to match the exact digits assigned to your region. You can also review official guidelines directly through the First Citizens Support Center.
Routing Numbers for Wire Transfers
Wire transfers follow a different set of rules than standard ACH payments or direct deposits. If you are sending or receiving a domestic wire transfer through First Citizens Bank, the state-specific numbers do not apply.
For domestic wire transfers, use the universal routing number: 053100300.
If you are dealing with an international wire transfer, routing numbers aren't used in the same way. Instead, you'll need the bank's official SWIFT code alongside your account details to ensure the international funds reach their destination safely. First Citizens Bank's SWIFT code is FCBTUS33. Double-check all wire instructions with a customer service representative before initiating large international transactions to avoid costly delays.
Common Mistakes to Avoid
Entering a banking code incorrectly can throw a wrench into your financial workflow. Keep these common pitfalls in mind:
- Confusing ACH and Wire Numbers: Using a state-specific electronic routing number for a domestic wire transfer can cause the transfer to fail or get rejected by the receiving institution. Always verify whether your transaction is an ACH transfer or a wire transfer.
- Mixing Up Account and Routing Numbers: Your routing number is always nine digits long. If the number you are typing is longer or shorter, you're likely entering your personal account number by mistake.
- Assuming All Branches Share One Code: Because First Citizens has expanded through various mergers and acquisitions over the years, accounts opened in different legacy regions might rely on distinct routing tables. Always verify your specific geographic region.
Frequently Asked Questions
Where is the routing number located on my check?
It is the first nine-digit sequence located at the bottom-left corner of your check, positioned right before your personal account number.
Can I use my routing number for both checking and savings accounts?
Yes. First Citizens Bank typically uses the same routing number for both checking and savings accounts tied to the same geographic region.
What should I do if my direct deposit hasn't arrived?
First, double-check the routing and account numbers you provided to your employer or payroll provider. If the numbers are correct, contact First Citizens customer support to verify whether an incoming transfer is pending on their end.
Does First Citizens Bank have a mobile app I can use to check my account details?
Yes. You can download and manage your accounts through the First Citizens Mobile Banking platform, where you can view your full account details and routing specifications securely.
