When you open an account with us you have the option to receive a Visa® check card. Your check card will grant you easy access to your money at any ATM and will allow you to make purchases with the funds available in your checking account. In partnership with Visa®, your check card comes with many added features and benefits. Check them all out below! 


You can protect your First Citizens' Visa® Check Card with a unique password for online shopping. All you have to do is register with Verified by Visa today.
Every time you enter your First Citizens' Visa card number to make a purchase at a participating online store, you'll be asked to supply your password before your transaction can be completed. Registration is quick, easy, and FREE!


First Citizens' simplifies online pay with Visa Checkout!

Love shopping online, but hate all the hassles when it’s time to pay? Visa Checkout is a digital payment service that makes your online shopping experience fast and secure. You can use it anywhere Visa Checkout is accepted!

With Visa Checkout paying online is:


Learn More Enroll Now


Just a Friendly Reminder

Your security is important to us. That’s why it’s important to activate your Visa® CheckCard as soon as you receive it. To activate your new or replacement card and set a PIN, call toll-free 1-800-448-8268. If you do not know or have forgotten your current PIN, you can select a new PIN or change the one you are currently using, by calling 1-800-448-8268.


ChipCard Technology

First Citizens’ now offers debit cards with chip technology – an enhanced security. We are beginning to roll our chip cards to all our cardholders, so there is no need to request one. You will receive your new card in the mail before your current card expires.

Receive an enhanced level of security. When used at a chip-enabled terminal the point of sale for an ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information programmed into the chip is personalized for your account and each transaction generates a unique code that can’t be used again.

Check out with ease. Simply insert your card in a chip-activated terminal, follow the prompts and remove your card when the transaction is complete.

Enjoy global acceptance. More places than ever now accept chip cards. Whether you checkout using chip technology or swipe your card, you can pay with confidence worldwide.

View our FAQ

ATM SUM Network

We want you to have the freedom to access your money when you want, without incurring costly fees. To help you avoid fees when using some other banks’ ATMs, we’ve joined the SUM® Program. This alliance of local banks and credit unions lets you make surcharge-free withdrawals at ATMs in the SUM program that display the SUM logo. 

To find ATMs that are surcharge-free, click here!

Before You Travel

In the event you will be traveling out of the country and will need to use your First Citizen' Visa Debit Card, we ask that you notify us as soon as possible. This is so that we can monitor your account closely and to ensure your access to your funds when using your First Citizens' Visa Debit Card. If you will be traveling outside of the United States you will need to contact us at 774-628-7875 in order for us to authorize out of country transactions on your debit card. 

Please update your phone numbers with us, including your cell number. You can also provide us with a temporary phone number. Please be sure to let us know when you return so we can remove this temporary number. This will allow Fraud Prevention to reach you during your travels, should it be necessary. If you are traveling abroad please take our contact info with you should you need to contact us.

Preventing Fraud