First Citizens Bank routing number

First Citizens Bank was founded in 1898 as Bank of Smithfield in North Carolina and has grown to over 500 branches across 23 states through strategic acquisitions and organic expansion over more than 125 years. Unlike some banks that consolidate routing numbers after acquisitions, First Citizens Bank maintains state-specific routing numbers from acquired institutions for ACH transfers and direct deposits. This approach preserves regional banking infrastructure while allowing customers to use familiar account numbers. The bank does maintain a single routing number (053100300) for all wire transfers to simplify domestic and international wire transactions.

No, you must continue using the routing number for the state where you originally opened your account, even if you move to a different state. Your routing number is permanently tied to your account and does not change based on your current address. For example, if you opened your account in North Carolina (routing number 053100300) and move to Florida, you still use the North Carolina routing number for ACH transfers and direct deposits. To find your specific routing number, check the bottom left corner of your checks or log into First Citizens Digital Banking and view your account details.

First Citizens Bank charges a monthly access fee of $15 for domestic wire transfer module access through Digital Banking, plus a per-transaction fee for each wire you send. For international wire transfers, there is a separate monthly fee for international wire module access, plus per-transaction fees that vary based on whether you send in US dollars or foreign currency. International wires sent as BEN (beneficiary pays intermediary fees) are standard, with an additional $10 fee if you request to send as OUR (sender pays all fees). These fees can add up quickly for businesses making regular payments. For businesses sending frequent payments, ACH transfers provide a more cost-effective option with no per-transaction fees for standard processing.

Domestic wire transfers submitted through First Citizens Digital Banking before 4:00 PM ET on business days (Monday through Friday, excluding bank holidays) will be processed the same day for delivery. Single wire transactions submitted before 6:00 PM ET will also process same-day. International wire transfers typically process within 1-2 business days, though timing can vary based on the destination country, currency, and correspondent bank relationships. Standard ACH transfers take 1-3 business days to process, making wire transfers the faster option for urgent payments.

Yes, First Citizens Bank offers international wire transfer services through Digital Banking, branches, and their FXEnvoy platform for businesses. You will need to use First Citizens Bank's SWIFT code (FCBTUS33) along with the routing number (053100300) for international wires. International wires can be sent in US dollars or over 80 foreign currencies. However, you must enroll in advance for international wire transfer access through Digital Banking, and a monthly fee applies for the international wire module separate from the domestic wire module fee. First Citizens Bank also offers foreign exchange services through FXEnvoy, providing competitive exchange rates for businesses engaged in international commerce.