When you open an account with us you have the option to receive a Visa® debit card. Your debit 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 debit card comes with many added features and benefits. Check them all out below! 



Visa Secure Remote Commerce

Love shopping online, but hate all the hassles when it’s time to pay? VSRC  is a digital payment service that makes your online shopping experience fast and secure. You can use it anywhere Visa Secure Remote Commerce is accepted; just look for this logo 


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And don't forget to add your First Citizens' Visa debit card to other merchants such as:


Just a Friendly Reminder

Your security is important to us. That’s why it’s important to activate your Visa® debit card as soon as you receive it. To activate your new or replacement card and set a PIN, call toll-free 1-800-642-7515. 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 1-800-642-7515.


Digital Wallet

Your mobile device offers a convenient, secure way to shop online or on the go; without using cash or your First Citizens' Visa ® debit card!  Just enter your First Citizens' Visa ® debit card information to get started. Look for merchants that feature the contactless symbol  and simply hold your mobile device up to a payment terminal to purchase your items! It is that easy, fast and convenient. 

Get started today


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 outside of the United States and will need to use your First Citizens’ Visa® Debit Card, we ask that you notify us as soon as possible prior to your travel departure by contacting us at 1 (800) 642-7515 for us to authorize out of country transactions on your debit card. 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.

When traveling abroad please take our contact information with you in the event you need to contact us.


Preventing Fraud