Founded in 1898, First Citizens Bank is a financial institution that offers personal and business banking and checking, money market and savings account services. It provides business, group and life insurance, as well as international, online, agribusiness, health care, institutional advisory and wealth management services. First Citizens Bank s business and treasury services include collection, disbursement, information management and payroll. The bank operates ATM in various locations, as well as provides credit and debit cards. It provides home equity lines of credit and certificates of deposit and online options for gift cards. First Citizens Bank additionally offers asset and long- and short-term loans and construction mortgages.