Protecting You

At First Citizens' we continuously invest in our systems to provide you the peace of mind in knowing that your financial assets and personal information is safe and secure. Whether you bank online, in person or over the phone, we work to protect you against account fraud while keeping you informed about how to protect your identity. 

Please note - We have recently seen an increase in fraudulent activity via debit card transactions in the Boston area. Because of such fraudulent activity, First Citizens’ has implemented certain restrictions to help prevent fraud from happening to our members. 

For the protection of our members, we are temporarily requiring that all purchases in an amount of $150 or greater require you, our cardholder, to input your PIN number to be able to complete the purchase. 

Such rule impacts the following cities/towns:

Lowell, Worcester, Chelmsford, Boston, Burlington, Lawrence, Natick, Ludlow, Needham, Hudson, Dracut, Auburn, Framingham, Athol, Cambridge, Mattapan, Quincy, West Roxbury, Norwood, Westborough 

We do understand this restriction may be problematic during certain transactions which is why we have applied an exception to this rule. 

There will be no rule requiring you to enter your PIN for any amount in any location for transactions occurring at restaurants, eateries, bars, nightclubs, and Hilton/Marriott Hotels.

Although security is our number one objective, we do apologize for any inconvenience this restriction may bring you. 

Should you have any questions or concerns, please call our Contact Center at 800-642-7515.


Latest Scams & Alerts 

Email Phishing
The IRS this week warned consumers to be on the lookout for "new, sophisticated email phishing scams" as the holidays and the 2019 tax filing season approach. The agency said there was a 60 percent increase in "bogus" email schemes seeking to steal money or tax data in 2018. Read more from this NAFCU article here. 


Social Security Scam
Local Police Stations have been advising the community of a robocall Social Security scam.
This is how it works:
1) You receive an automated call advising you that your Social Security number has been suspended due to fraudulent activity.
2) You are advised to press 1 for more information.
3) After pressing 1, someone will pick up and refer to him/herself as Officer Jones (there have been reports of other names as well). They will tell you that several documents, some of which include your Social Security number, were located during a raid conducted in Texas by the U.S.
4) The "officer" then asks you to confirm the last four of your Social Security number 
There may be different variations of the call but in any event, it is in your best interest to hang up and block the number. Be on alert for this call or any suspicious calls and never provide any personal information. 

What You Can Do

We want to ensure all of our members are not only notified of the latest scams, but also educated on the types of fraud that exist. The more you know, the more likely you will be able to spot an attempt.

What is Identity Theft

Identity theft occurs when someone illegally obtains your personal information (such as your name, Social Security number, account numbers, or other identification) and uses it to open new accounts and/or conduct transactions in your name. Essentially, they try to become you.

What about online fraud?

Online fraud occurs when someone unlawfully obtains your personal information (such as your name, Social Security number, account numbers, or online banking login and password) and makes unauthorized transactions on your bank, loan, or credit card accounts. Often called "phishing" or "spoofing," the most current methods of online fraud are fake emails, websites and pop-up windows

Think Ahead

We ask that our members please be diligent in managing their accounts and continue to be on the lookout for fraudulent activity. If you notice anything suspicious regarding your accounts or if you feel your debit card information may have been compromised, please contact our Contact Center at 1-800-642-7515.

Here are more ways you can help prevent fraud

  • Sign up for e-Alerts
  • Regularly check your statements and transaction history
  • Never give personal information/ account numbers over the phone unless you initiated the phone call
  • Use secure browsers when shopping online

How to prevent Fraud

Learn More from the FTC



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.