Privacy & Policy

Revised August 2018

FACTS about your personal information

WHAT DOES FIRST CITIZENS BANCSHARES, INC. DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the products or services you have with us. This information can include:

  • Social Security number
  • Credit history
  • Account balances
  • Credit scores
  • Income
  • Medical information

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First Citizens BancShares, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Reasons we can share your personal information

Does First Citizens BancShares, Inc. share? Can you limit this sharing?
For our everyday business purposes —
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes —
to offer our products and services to you
Yes Yes
For joint marketing with other financial companies Yes Yes
For our affiliates’ everyday business purposes —
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes —
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No We don’t share

To limit our sharing

Customers of First-Citizens Bank & Trust Company or Neuse Title Services, Inc.:

  • Call us toll free at 1.888.FC DIRECT (1.888.323.4732) daily from 7:00a.m. to 11:00p.m. Eastern time.

Customers of First Citizens Investor Services, Inc.:

  • Call us toll free at 1.800.229.0205.

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call us toll free at 1.888.FC DIRECT (1.888.323.4732) daily from 7:00a.m. to 11:00p.m. Eastern time.
Or send us an email through our websites. Please indicate "privacy" as the subject of your communication.

What we do

How does the First Citizens BancShares, Inc. group of companies protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Only people who have a legitimate business reason to do so in connection with their job responsibilities are authorized to access customer information.

How does the First Citizens BancShares, Inc. group of companies collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan
  • Use your credit or debit card
  • Make deposits or withdrawals from your account
  • Provide account information
  • Give us your income information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes-information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account — unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. The First Citizens BancShares, Inc. group of companies are affiliates of each other and are financial services companies that include a bank (First-Citizens Bank & Trust Company), a securities broker-dealer (First Citizens Investor Services, Inc.), a registered investment advisor (First Citizens Asset Management, Inc.), and a title insurance agency (Neuse Title Services, Inc.).

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. The First Citizens BancShares, Inc. group of companies does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include companies such as insurance companies and financial product or service marketing companies.

Learn How First Citizens Protects Your Account Information

Protecting your confidential account information is one of our highest priorities. That's why we have state-of-the-art Internet security technology in place to protect your confidential personal and financial information.

At First Citizens we:

Unique Identifiers

To access your account and certain financial services, including Digital Banking and BOB Advantage®, you are required to enter valid access codes such as a customer/user identification code and password. Additional authentication measures to access our online banking products are described in our online banking agreements. Without proper identification, access to your account information is denied.

Browsers and Encryption

We require the use of a web browser to access our online services, including online banking. It is best if the browser version you use is still actively supported by the service provider. These browser versions will help protect communication to our website by encrypting the information between you and our site. We utilize Transport Layer Security (TLS) technology, if supported by the browser, or Secure Socket Layer (SSL), both of which encrypt sensitive information transmitted over the internet between your computer's browser and our computer systems (like your password and customer/user identification code) into secure code that is highly unlikely to be read by unauthorized parties. To access your account through online banking, we require the use of a web browser that supports at least128-bit SSL/TLS encryption technology - among the strongest and most widely used methods of securing internet transactions. You will know that your information is being protected when you see a URL that begins with "https" (instead of "http") in the address line, a secure symbol, such as a closed padlock or key icon, at the edge of your browser screen and the address bar is highlighted in green to indicate a properly secured session.

Firewalls

The computers that run our website are protected by constantly monitored firewalls that act as a barrier between the internet and our secure computer network - preventing unauthorized access. Every message that enters or leaves our network passes through the firewall. Messages that do not meet our criteria are blocked.

Virus Protection

We employ up-to-date anti-virus protection technology to detect viruses and prevent them from damaging our computer network.

Timeout Feature

Our online applications have a timeout feature that automatically ends your session after a certain period of inactivity.

We strive to offer you the best products, services and security possible. To ensure that your information is as safe as possible, please become familiar with tips you can use to protect your personal information.