Each First Citizens customer is given a unique identification number, referred to as the Customer Information File (CIF) number. All accounts in the customer’s name at First Citizens will be linked to this CIF number. The CIF number assisgned to the customer is to be used as the UserID on the First Citizens Online Banking. 

First Citizens Online Banking allows you to view most of your deposit, investment, loan and credit card accounts. These accounts must be in your name or you must be a joint holder of the account. You are also able to view Trading As or Sole Proprietorship accounts.  

Active accounts have been in use within the past six (6) months.Inactive accounts have had no activity for at least six (6) months. To re-activate an Inactive account you must visit a First Citizens branch to make a minimal cash deposit into the account; the account will be re-activated immediately.  Dormant accounts have had no activity for at least one (1) year and require you to visit a First Citizens branch with updated documentation and a minimal deposit in order for the account to be re-activated. (Click here for guidance on the required documentation necessary to do so (valid identification, updated proof of address and updated source of deposit/income).

Please note the Bank reserves the right to request additional information/documentation if deemed necessary for reactivation of accounts.

You may transfer money using Online Banking to any of your savings, chequing, loan or credit card accounts. The accounts which are eligible to be debited and credited will automatically default in the dropdown list when making the transfer.   

Yes, you may view a history of your transactions online. This applies to your savings, chequing, loan and credit card accounts. Your transaction history can assist you in tracking the money you spend, and this allows you greater control over your finances. You must go the Balance Inquiry module where all your accounts are listed. Click on the account number and the transactions for that account will display. You may also review your transactions extending from the inception of the account, or search for specific items by entering a date range.  The information available for your credit card now includes your Statement Date, Opening Balance, Charges, Credits, Payment in Full, Minimum Balance and your Payment Due Date.   

This is a special feature of our Online Banking application, which has been developed to ensure the security of your financial information.   

The amount available in cash upon cancellation of an insurance policy,  before it becomes payable upon death or maturity, also called cash value or surrender value.

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