First Citizens Bank Routing Number For ACH: Find Yours Now

Oct 23, 2025 by Jhon Lennon 59 views

Hey guys! Are you trying to figure out the First Citizens Bank routing number you need for setting up an Automated Clearing House (ACH) transfer? You've come to the right place! In this article, we'll break down everything you need to know about locating your routing number, why it's so important, and how to use it correctly. Let's dive in!

Understanding Routing Numbers

First off, let's clarify what a routing number actually is. A routing number is a nine-digit code that identifies your bank or financial institution. Think of it like a street address for your bank; it tells other financial institutions where to find your money when you're making a transfer. This number is crucial for all sorts of transactions, including direct deposits, online payments, and, most importantly for our discussion today, ACH transfers.

ACH transfers are electronic fund transfers made between banks or credit unions through the Automated Clearing House network. They're commonly used for things like paying bills online, setting up recurring payments, and receiving direct deposits from your employer. Knowing the correct routing number is essential to ensure that your money ends up where it's supposed to go.

Why the Correct Routing Number Matters

Using the correct routing number is super important. If you use the wrong one, your transaction could be delayed, rejected, or, worst-case scenario, sent to the wrong account. Imagine setting up your paycheck to be directly deposited, only to have it bounce back because you entered the wrong routing number! That's a headache no one wants to deal with. So, accuracy is key.

Different banks, and even different branches within the same bank, can have different routing numbers. This is especially true for banks that have merged or acquired other banks over time. First Citizens Bank, with its long history and numerous acquisitions, is a prime example of this. To make sure you're using the right number, always double-check with your bank's official website or customer service.

Finding Your First Citizens Bank Routing Number

Okay, so how do you actually find your First Citizens Bank routing number? There are several ways to locate it, and we'll walk you through each one.

1. Check Your Checks

One of the easiest ways to find your routing number is by looking at the bottom of your checks. The nine-digit number on the far left is your routing number. It's usually followed by your account number. This is a reliable method, as long as you have a check handy.

2. Online Banking

Most banks today offer online banking services, and First Citizens Bank is no exception. Logging into your online banking portal is a convenient way to find your routing number. Once you're logged in, navigate to your account details or profile settings. You should be able to find your routing number listed there, along with your account number and other important information. This is often the quickest and most accessible method.

3. First Citizens Bank Website

Another reliable source is the official First Citizens Bank website. Banks often provide a list of their routing numbers on their website, making it easy for customers to find the correct one. Look for a FAQ section or a customer service page. You might find a tool where you can enter your branch location to find the corresponding routing number. Just make sure you're on the official website to avoid any scams or misinformation.

4. Contact Customer Service

If you're having trouble finding your routing number through the methods above, don't hesitate to contact First Citizens Bank customer service. You can call them or visit a local branch. A customer service representative will be able to provide you with the correct routing number for your specific account. Be prepared to verify your identity to protect your account information.

5. Use a Routing Number Lookup Tool

There are also several online routing number lookup tools available. These tools can help you find your routing number by entering your bank name and location. However, it's always a good idea to double-check the information with an official source, like your bank's website or customer service, to ensure accuracy.

First Citizens Bank Routing Numbers by State

One important thing to keep in mind is that First Citizens Bank may use different routing numbers depending on the state and the specific branch where you opened your account. This is especially true because First Citizens has grown through acquisitions of other banks.

Here are some common routing numbers for First Citizens Bank by state. Note: These may vary, so it's crucial to confirm with your bank.

North Carolina: Typically, you'll find one of the main routing numbers used in North Carolina.
South Carolina: Similar to North Carolina, South Carolina might have a primary routing number.
Virginia: Check with your specific branch in Virginia as routing numbers can differ.
West Virginia: Confirm the routing number with your local branch.
Tennessee: Always verify the routing number with First Citizens Bank.
Georgia: Ensure you have the correct routing number for your specific branch.
Florida: Double-check with First Citizens Bank.
Maryland: Confirm the routing number on the bank's website or customer service.
Pennsylvania: Call customer service to verify your routing number.

To find the exact routing number for your account, it's always best to use one of the methods we discussed earlier: check your checks, log into online banking, visit the First Citizens Bank website, or contact customer service. This will ensure that you have the most accurate information.

Using Your Routing Number for ACH Transfers

Now that you've found your First Citizens Bank routing number, let's talk about how to use it for ACH transfers. Whether you're setting up a direct deposit or making an online payment, the process is generally the same.

Setting Up Direct Deposit

To set up direct deposit, you'll need to provide your employer or the organization making the payment with your routing number and account number. You may also need to provide a voided check or a direct deposit form from your bank. Your employer will use this information to electronically deposit your paycheck into your account.

Making Online Payments

When making online payments, you'll also need to provide your routing number and account number. The merchant or biller will use this information to debit your account electronically. Make sure you enter the information correctly to avoid any payment errors.

Receiving ACH Transfers

If you're receiving an ACH transfer, you'll need to give the sender your routing number and account number. They'll use this information to send the funds to your account. Double-check the information you provide to ensure that the transfer goes through smoothly.

Common Mistakes to Avoid

Using the wrong routing number can cause all sorts of problems, so it's important to avoid these common mistakes:

Using an old routing number: Banks sometimes merge or change their routing numbers, so make sure you're using the most up-to-date information.
Using the wrong routing number for your account type: Different account types may have different routing numbers, so double-check that you're using the correct one for your account.
Typos: Always double-check the routing number you enter to avoid any typos. Even a single digit error can cause a transaction to fail.

Conclusion

Finding your First Citizens Bank routing number for ACH transfers doesn't have to be a headache. By using the methods we've discussed – checking your checks, logging into online banking, visiting the bank's website, or contacting customer service – you can easily locate the correct number. Always double-check the information to avoid any errors and ensure that your transactions go through smoothly. Knowing the correct routing number will save you time and prevent potential financial headaches. So go ahead, find your routing number and set up those ACH transfers with confidence!