What Is First Citizens Bank’s Routing Number? (2026)
Summary:
Explore the process of locating your First Citizens Bank routing number and grasp its crucial role in electronic banking operations. Gain insights into the state-specific routing numbers utilized by First Citizens Bank and find comprehensive answers to common queries regarding their routing numbers.
First Citizens Bank, a well-established financial institution in the United States with over 120 years of history, operates more than 500 branches across 21 states. It’s crucial for customers and the general public to be aware of key banking details, such as routing numbers, which are essential for a variety of financial activities. Understanding these numbers ensures efficient and error-free processing of transactions, highlighting the importance of financial literacy in today’s digital banking era.
What is the First Citizens Bank routing number for wire transfers?
The routing number for First Citizens Bank used in wire transfers is 053100300. This number is consistent across all states for wire transfers. For inbound wire transfers, you need to provide this routing number along with your personal account number.
What is the First Citizens Bank routing number?
The First Citizens Routing Number is 053100300.
Why a bank might have multiple routing numbers
In the context of incoming wire transfers, a bank’s routing number remains consistent, regardless of whether the transaction is domestic or international. This routing number serves as a unique identifier for the bank, allowing the sending institution to route the funds to the correct destination. Think of it as the bank’s “address” within the broader financial network.
However, it’s important to note that banks may have multiple routing numbers for various purposes. While the primary routing number remains the same for incoming wire transfers, financial institutions may use different routing numbers for other transactions, such as ACH transfers or direct deposits. These different routing numbers help banks categorize and process various types of transactions efficiently.
Additionally, when you examine a physical check issued by a bank, you may notice that it includes a routing number that differs from the primary routing number used for wire transfers. This is because checks often have region-specific or branch-specific routing numbers. These state or branch-specific routing numbers help in routing checks to the correct local branch for processing. This practice allows banks to streamline their check-clearing processes and ensure that funds reach the correct accounts promptly.
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First Citizens Bank routing numbers: United States
For electronic banking transactions in the U.S., a routing number is required. First Citizens Bank recognizes the diverse needs of its customers across various states by assigning unique routing numbers specific to each region. This ensures that every transaction is processed smoothly and accurately. Continue reading to delve deeper into the significance of these routing numbers and how they facilitate your banking needs in different states.
International wire transfers
For international wire transfers, you’ll need to use a SWIFT code instead of a routing number. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. First Citizens Bank’s SWIFT Code is FCBTUS33.
What is First Citizens Bank’s SWIFT code?
For all international wire transfers, First Citizens Bank utilizes the SWIFT Code FCBTUS33. This code is essential for processing international transactions efficiently and securely.
What is a routing number?
The concept of routing numbers in the United States dates back to 1910, introduced by the American Bankers Association (ABA). This initiative aimed to address the confusion prevalent in the processing of checks at that time. The ABA organized a meeting of clearing house managers in Chicago in December 1910, which led to the formation of a committee tasked with assigning unique numbers to each bank in the country. These routing numbers provided a precise identification for banks, akin to a street address or an IP address.
The importance of routing numbers is twofold
| Identification of Financial Institutions | Routing numbers act as unique identifiers for financial institutions. This role became increasingly important with the rise of paper check processing. The use of routing numbers made it simpler to identify which banks were issuing payments on checks, streamlining the transaction process. |
| Facilitating Payment and Clearing Processes | The routing number system played a crucial role in ensuring accurate and efficient financial transactions. It enabled banks to correctly pay patrons on behalf of check-writers. If a check was unfulfillable, the routing number guided the involved parties to the appropriate bank for payment resolution. This improved the efficiency and accuracy of financial transactions, especially when paper checks were the primary non-cash payment method. |
Routing numbers and what they mean
Bank routing numbers consist of a nine-digit sequence and are commonly located at the base of personal checks. Each digit within this code carries a specific significance in identifying financial institutions and their locations. This numerical string facilitates the accurate processing and clearance of financial transactions.
| First two digits | Identify the bank or credit union responsible for clearing financial transactions |
| Next two digits | Represent the bank’s processing center and its location |
| Next four digits | Serve to identify your bank |
| Last digit | Acts as the check digit, verifying the routing number’s validity |
First Citizens Bank routing number
Not all First Citizens Bank routing numbers are the same — the specific number used can vary depending on the state where your account is located. Whether you’re setting up a wire transfer, managing bill payments, or conducting other types of banking transactions, it’s essential to use the correct First Citizens Bank routing number specific to your needs.
First Citizens Bank routing numbers by state
First Citizens Bank, similar to other major banks, assigns different routing numbers for each state. This ensures that banking transactions are processed efficiently and accurately. Below is a list of First Citizens Bank’s routing numbers by state:
| STATE | ROUTING NUMBER | STATE | ROUTING NUMBER |
| Arizona | 122187335 | California | 122037760 |
| Colorado | 102089644 | Florida | 067092022 |
| Georgia | 061191848 | Illinois | 275071288 |
| Kansas | 101089823 | Maryland | 055003463 |
| Michigan | 275071288 | Minnesota | 275071288 |
| Missouri | 101089810 | Nebraska | 053100300 |
| Nevada | 053100300 | New Jersey | 053100300 |
| New Mexico | 107089652 | North Carolina | 053100300 |
| Oklahoma | 103089834 | Oregon | 123084958 |
| South Carolina | 053906041 | Tennessee | 064008970 |
| Texas | 114993906 | Virginia | 051401836 |
| Washington | 125107671 | West Virginia | 051503174 |
| Wisconsin | 275071288 |
How to find your First Citizens Bank routing number
- Check your checkbook: The routing number is typically the nine-digit number at the bottom left corner of your checks.
- Use online banking: Access your First Citizens online banking account or mobile app to find the routing number on your account summary page.
- Visit the First Citizens Bank website: Look for a routing number search feature, especially useful if you know the state where your account was opened.
- Review your bank statements: Monthly statements often list the routing number on the first page.
- Contact customer service: If other methods fail, First Citizens Bank customer service can provide your routing number, though you may need to verify your identity.
Remember, using the correct routing number is essential for banking transactions like direct deposits, automatic bill payments, and wire transfers.Pro Tip
When you need your routing number for something like setting up direct deposit, a check is a handy reference. It displays your routing and checking account numbers where you can easily see them. That’s also the reason why employers sometimes ask for a voided check to set up your payroll direct deposit. The checks have both the routing and account numbers printed at the bottom. Be aware that different payment types might need different routing numbers. Just like using the wrong zip code can mess up mail delivery, using the wrong routing number can cause a transfer to fail. For electronic transfers, you use ACH routing numbers, whereas ABA routing numbers are for both electronic and paper transactions.” – Thomas Franklin, CEO & Co-Founder at Bitinvestor
FAQ
What is First Citizens Bank’s headquarters address?
First Citizens Bank’s headquarters is located at 4300 Six Forks Road, Raleigh, North Carolina, 27609, USA. This location serves as the central hub for the bank’s operations and management. The headquarters in Raleigh symbolizes the bank’s strong roots in North Carolina, where it was originally founded and has grown significantly over the years.
What states is First Citizens Bank in?
First Citizens Bank operates in several states across the United States. As of my last update, the bank had a presence in states including North Carolina, South Carolina, Virginia, West Virginia, Tennessee, Georgia, Florida, and several others. The bank’s expansion over the years has allowed it to establish a significant footprint in the Southeastern and Western regions of the U.S., offering a wide range of banking services to a diverse customer base.
What is First Citizens Bank known for?
First Citizens Bank is known for its commitment to personalized customer service and community-oriented banking. The bank has a reputation for building strong customer relationships and providing a wide range of financial services tailored to individual and business needs. Additionally, First Citizens Bank is recognized for its stability and longevity in the banking industry, having been established over a century ago and maintaining a strong presence in the communities it serves.
Key takeaways
- First Citizens Bank’s universal routing number for wire transfers is 053100300, consistent across all states.
- The bank assigns unique routing numbers for each state, catering to specific banking needs and ensuring efficient transaction processing.
- For international wire transfers, First Citizens Bank uses the SWIFT Code FCBTUS33.
- Routing numbers play a critical role in identifying financial institutions and streamlining transaction processes.
- Understanding and using the correct routing number is essential for error-free banking operations like direct deposits and bill payments.
- Customers can find their specific routing number on checks, via online banking, on bank statements, or by contacting customer service.
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