September 2022 by Bita I.
I don't recommend First Citizen Banks for small business, restaurant, coffee shops, bars, dry cleanings, or any type of business with a lot of daily transactions :Pros :1-The bank staff at the branch are polite.2-The Branch has a nice lobby area.3-There is no wait time at the branch.4- Good On-line portalCons :1-It is a very conservative and restricted bank,2-It does not offer a of products different than bigger banks3-it doesn't have a lot of branches4- it is closed on Saturdays an Sundays.5-The online or phone customer service representative lack of training and acknowledge in all aspect of customer relations and information is surprising . From a simple question like : can I have your branch locations in Orange County that simply can be pulled on line, to filing a dispute , the representative are misguiding.6-The bank claims they are extremally supper-protective of customers privacy and protect customer from any fraudulent activities. That claims is not correct. yest they ask for verification of the person who calls or wants to make a deposit , but if any unauthorize charges come in , they can not assist.I disputed several charges from one company with my two business checking accounts. It has been two months , I still have not received any letter with my claim number or any status .7- I received several answers on one question by talking to different people. I can tell this much, they have no problem with insulting your intelligence when they don't know the answer. Meaning providing falls information it not a problem.8- The Dispute department and Fraud department are secret department . Customers are not entitle to have their direct phone or contact information of anyone working in these department.9- Their rates are high10- The whole system that is in place is not customer friendly..
