AmericasUnited StatesLicensed-entity research

First-Citizens Bank & Trust Company

First-Citizens Bank & Trust Company (the separate legal banking entity; distinct from its holding company, First Citizens BancShares, Inc.)

The FDIC official record confirms that First-Citizens Bank & Trust Company is a state-chartered, non-Federal Reserve member insured depository institution with CERT 11063 and the FDIC as its primary federal regulator. The bank’s public materials list document requirements for personal checking and business accounts, but eligibility for individual nonresidents, foreign-registered companies and remote cross-border account opening still requires written confirmation from the bank.

Regulator: Federal Deposit Insurance Corporation (FDIC, primary federal regulator); Consumer Financial Protection Bureau (CFPB, secondary federal regulator). FDIC records do not name the state-level regulator.
Check date: 2026-10-26
Verify status: Some information pending confirmation

Research scope and official resources

Topic number:americas-first-citizens-bank-trust-company

Included based on the large-bank selections publicly listed in the input candidate set for 2025/2026, and clues mapping group asset rankings to the relevant entities. This entry maps to the bank’s legal entity; it does not represent an individual ranking for that entity, a real-time global top 100 ranking, or a conclusion that it will accept account-opening applications.

Bank’s official website

Personal Eligibility and Documents

U.S. residents: The bank’s personal checking account page publicly lists account products such as Primary, Premier, and Prestige, but the pages reviewed do not clearly publish eligibility requirements regarding applicants’ citizenship, place of residence, address, or proof of identity. Non-U.S. residents or nonresident aliens: The official pages reviewed do not contain sufficient complete information to confirm whether accounts can be opened or what conditions apply. Therefore, they do not establish that nonresident applications are accepted, nor do they support an inference that applicants must or need not visit a U.S. branch. Applicants should first confirm with the bank the specific residency status, residential address, tax status, application channel, and required documents.

Personal information publicly disclosed or identified

The bank’s personal checking product pages reviewed do not publish a single list of identification, proof of address, or tax number documents applicable to all applicants; the bank must confirm the specific documents based on the applicant’s circumstances.
General preparation suggestions (not the bank's published account-opening policy): Consider preparing a valid passport or U.S. government-issued identity document, verifiable residential address information, and applicable SSN/TIN and tax status information; first confirm which documents and certification methods the bank actually accepts.

Company eligibility and documents

U.S.-registered businesses: The bank’s public business account checklist covers corporations, limited liability companies, partnerships, and sole proprietors, and requires the relevant state registry website to show the business status as active, current, or good standing. For people who own 25% or more of the business or have significant management responsibility, the bank lists personal identification information; non-U.S. residents may provide passport information. The page requires a federal EIN; sole proprietors and single-member LLCs may use an SSN instead in the stated circumstances. Businesses not registered in the United States, or businesses with only a foreign address and no registration with a U.S. state: The page does not confirm whether they may apply. The fact that non-U.S. resident owners may submit passport information does not mean that foreign-registered entities necessarily meet account-opening requirements.

Company information publicly disclosed or identified

The bank requires individuals who own 25% or more of the business or have significant responsibility to provide identifying information. Examples of responsible individuals include the CEO, CFO, COO, managing member, general partner, president, vice president, or treasurer. Non-U.S. residents may provide passport information.
The bank requires a federal Employer Identification Number (EIN); sole proprietors and single-member LLCs may use an SSN as a substitute in the circumstances described on the page.
The bank requires the business to have an “active,” “current,” or “good standing” status on the website of the Secretary of State, or equivalent state entity registry, in its state of registration.
The bank requires LLCs, partnerships, and sole proprietors to complete and sign the Declaration of Unincorporated Business form.
Company: Certified articles of incorporation, corporate charter or government-issued business license, and bylaws; nonprofit organizations should also provide an IRS 501(c) letter or tax-exempt document; also provide company resolutions certified by the corporate secretary or an appropriate officer, and signature cards signed by the account signers.
Limited liability company: articles of organisation or a government-issued business licence.
General partnership: partnership agreement; limited partnership: limited partnership certificate.
Sole proprietorship: Two forms of identification (the page gives a driver’s licence or SSN as examples); if using a trade name and required by state law, an assumed-name/trade-name certificate is also needed.
The bank says that the listed documents are common examples and that more or fewer documents may be required depending on the type of business and its needs; the page does not state whether foreign registration documents are accepted or specify translation, notarization, or certification requirements.

Address, tax, and remote / witnessed procedures

Address and tax

Address: The business checklist requires the business to show active status in the official registry of its state of registration, but does not specify proof-of-address requirements for personal accounts or standards for accepting overseas addresses. Tax identification: The business checklist requires an EIN and expressly states that sole proprietors and single-member LLCs may use an SSN instead in the listed circumstances. Passport information for a responsible party who is not a U.S. resident may be used for the identification described by the bank. The IRS says Form W-9 is used to provide a correct TIN to a person required to file an information return with the IRS; Form W-8BEN is submitted by a foreign individual who is the beneficial owner of a relevant payment when requested by a withholding agent or payer. These IRS form descriptions do not mean the bank has publicly specified which form each applicant must submit. Confirm personal address, foreign tax identification numbers, tax-residency self-certification, and FATCA/CRS information required at account opening with the bank. This guide does not claim that the United States participates in CRS or equate FATCA with CRS.

Remote / witnessing

The personal product pages and business document lists reviewed do not confirm that the bank offers video account opening, remote identity verification, overseas notarization, or third-party witnessing for applicants worldwide, nor do they state that a branch visit is mandatory. Do not infer support for global remote account opening from the website’s digital banking features or product page titles; applicants must obtain written confirmation of the specific application channel and document certification method.

Public process reference

Personal accounts: The official website displays Primary, Premier, and Prestige checking accounts as options; the pages reviewed did not provide a verifiable process for determining resident/non-resident eligibility or complete application steps. Confirm the applicant’s status and application channel with the bank before deciding whether to submit an application.
Business accounts: First prepare the company or organization documents listed by the bank for the business structure, EIN/applicable SSN, state registration status, and identity information for relevant responsible parties/owners. The bank reserves the possibility of requesting more or fewer documents depending on the business type and its needs.
Non-resident individuals, businesses with foreign owners, and companies registered overseas: before applying, confirm in writing with the bank which entities it accepts, the account-opening location/address, original or certification requirements, tax forms, and remote or branch application options. Processing times, approval steps, and whether individual cases are accepted were not specified in the materials reviewed.

Compliance topics, details, and sources

U.S. Anti-Money Laundering and Customer Identity Identification (BSA/FinCEN CDD)

FinCEN explains that covered U.S. banks must establish risk-based procedures for identifying and verifying customer identities, understanding the nature and purpose of customer relationships, developing risk profiles, and continuously monitoring to identify and report suspicious transactions. This is the U.S. regulatory baseline, not a substitute for a specific operational checklist for each of the bank's account products.

Source:Information on Complying with the Customer Due Diligence Final Rule | FinCEN ；CDD Rule FAQs | FinCEN

Business beneficial owners, controllers and source of funds

The FinCEN CDD Rule generally requires covered financial institutions to identify and verify individuals who directly or indirectly hold 25% or more of the ownership interests in a legal entity customer, if any, and one control person with significant managerial responsibility; an FAQ updated by FinCEN in 2026 also explains that financial institutions decide whether to use the relevant account-opening verification relief. The bank’s commercial account page also lists identity information requirements for 25% owners or individuals with significant responsibility. Specific source-of-funds documents required by the bank are not published on the pages reviewed; the bank may make additional risk-based inquiries, which should be confirmed on a case-by-case basis.

Source:Account Requirements | First Citizens Bank ；Information on Complying with the Customer Due Diligence Final Rule | FinCEN ；CDD Rule FAQs | FinCEN

U.S. Tax Identification, FATCA, and the Scope of CRS

The IRS states that Form W-9 is used to provide a TIN to a payer filing an information return, while foreign individuals submit Form W-8BEN in relevant withholding situations when requested by the payer; IRS FATCA materials describe financial-institution classifications and related reporting/compliance frameworks. These are tax baselines and do not establish that the bank necessarily requires a particular form when opening an account. The materials reviewed did not verify the bank’s specific treatment of CRS; the United States is not described as a CRS participant, nor is it claimed that the bank collects or exchanges information under CRS. Applicants should confirm the bank forms and reporting obligations applicable to their U.S. or other tax-residency status.

Source:About Form W-9 | Internal Revenue Service ；About Form W-8 BEN | Internal Revenue Service ；Frequently Asked Questions FATCA Compliance Legal | Internal Revenue Service

U.S. Sanctions Screening (OFAC)

The U.S. Department of the Treasury’s OFAC explains that the basic requirement is for financial institutions not to violate the sanctions laws it enforces. Specific compliance programs depend on the institution and its business risks; OFAC is not a bank regulator. Whether account opening, account maintenance, or a transaction triggers screening or a request for additional documents depends on legal requirements and the bank’s own procedures. The public pages do not provide this bank’s specific screening lists.

Source:Starting an OFAC Compliance Program | U.S. Department of the Treasury

Eligible deposits and coverage

The FDIC Details page lists this entity as an insured depository institution. The FDIC explains that traditional deposits, including checking, savings, money market deposit accounts, and time deposits, are included in the deposit insurance framework when opened at an insured depository bank; coverage applies automatically to eligible insured deposit accounts. Investment products, annuities, stocks, bonds, and insurance policies are not insured on that basis. Account ownership category and amount of coverage must be verified separately; this file does not promise a specific coverage amount for an individual case.

Source:First-Citizens Bank & Trust Company — FDIC BankFind Institution Details ；Deposit Insurance | FDIC

Account Opening Compliance Information

Account Opening Compliance and Document Preparation Guide

This page lists separately the requirements published by the bank, local regulations, and document preparation suggestions. Acceptance and specific requirements are subject to confirmation by the bank.

This guide concerns the FDIC-insured banking entity First-Citizens Bank & Trust Company and separately discusses materials for its publicly listed commercial deposit accounts and general personal account preparation. The commercial page applies to the listed U.S. entity types—corporations, LLCs, partnerships, and sole proprietorships—and does not confirm eligibility for foreign-registered businesses, nonresident individuals, or remote account opening worldwide. Public account terms for the bank’s Silicon Valley Bank division should be referenced only when that division’s products actually apply and cannot automatically be extended to other First Citizens accounts.

Date information checked:2026-10-26

Document Preparation Checklist

Business formation documents, status and account authorization

Who it applies to: Prepare for a company, LLC, partnership or sole proprietor applying for a business account with the bank; acceptability of foreign-registered entities has not been confirmed.
Documents to Prepare: Depending on the entity type, organize formation documents and registration certificates issued by or available from the state registry, along with the latest active/current/good standing status. First confirm which document versions the bank accepts.
Companies should prepare certified articles of incorporation/charter, bylaws, corporate resolutions and signature cards; LLCs should prepare articles of organization; general partnerships should prepare partnership agreements, and limited partnerships should prepare certificates of limited partnership.
LLCs, partnerships, and sole proprietors should prepare and sign the bank’s listed Declaration of Unincorporated Business. If operating under a trade name, prepare proof of trade name registration as required by applicable state law.
Description: The bank has published the common documents listed above and states that it may request more or fewer depending on the type of business and its needs. The website does not specify rules for translation, notarization, authentication, originals or validity periods for overseas documents. The list states the bank’s express requirements; it does not mean every applicant must submit every document.

Source:First Citizens Bank: Business Account Opening Requirements

Beneficial owners, controllers and tax identification information

Who it applies to: Commercial entities and individuals meeting the bank’s stated ownership threshold, managers with significant responsibility, and account signers; this is not the public list of identification documents for personal checking accounts.
Documents to Prepare: Prepare an ownership and control chain chart identifying direct/indirect owners, ownership percentages, legal entities at each level and actual managers. You may include a shareholder register, organizational documents or partnership agreement as supporting explanation. This is preparation advice to facilitate verification.
Prepare identification information, in accordance with the bank’s list, for persons who hold 25% or more of the ownership interest or assume significant responsibilities; the bank expressly states that non-U.S. residents may provide passport information, but has not published the full set of identity fields or all acceptable forms of identification.
Prepare the company's EIN confirmation documents; the bank page states that sole proprietors and single-member LLCs may use an SSN instead in the specified circumstances. If the structure is complex, set out in advance who is authorized to open the account, sign documents, and issue transaction instructions.
Description: 25% or more and significant control persons are described in the bank’s publicly available business account checklist; FinCEN CDD rules have a separate scope, exceptions, and an account-opening exception that financial institutions may choose to adopt. This does not establish that the bank has adopted that exception. Do not conflate U.S. company BOI reporting with bank CDD.

Source:First Citizens Bank: Business Account Opening Requirements；FinCEN: Frequently Asked Questions on the Customer Due Diligence Rule

Business substance, account-opening purpose and flow of funds

Who it applies to: As a general review-preparation suggestion, especially for applicants with newly established businesses, complex ownership, cross-border payments, or business and funds flows that are not straightforward. This is not a uniform document checklist published by the bank.
Documents to Prepare: Prepare a one-page summary of products/services, where customers and suppliers are located, sales channels, expected countries and currencies for incoming and outgoing payments, and the intended account use and transaction scale.
For the actual business, prepare suitable contracts, orders, invoices, recent financial statements, or tax documents to explain business income, the source of the initial deposit, and the main source of funds. Explain why if no applicable document is available.
If there are third-party collections or payments, related-party transactions, or cross-border wire transfers, prepare a transaction-flow diagram and information about the main counterparties. First ask the bank what documents it requires and which formats it accepts.
Description: The above is general RGYS preparation guidance. FinCEN requires covered financial institutions to understand the nature and purpose of customer relationships and to conduct ongoing, risk-based due diligence, but this does not require customers to submit every type of document listed above. First Citizens has not published a list of source-of-funds documents for this applicant.

Source:FinCEN: Frequently Asked Questions on the Customer Due Diligence Rule；U.S. Department of the Treasury’s OFAC: Frequently Asked Questions About Starting an OFAC Compliance Program

Due diligence and enhanced verification

Verification of Beneficial Owners and Control Structure

Basis for Verification: The bank’s business account page requires individuals who own 25% or more or have significant responsibility to provide personal identification information, with executives, managing members, and general partners given as examples. FinCEN’s FAQ, updated in 2026, explains that covered institutions may choose, where eligible, not to identify and verify beneficial owners again each time a new account is opened. The decision is at the institution’s discretion; public information does not indicate First Citizens’ choice or internal procedures.
Preparation recommendation: It is advisable to trace the ownership chain through to the individuals, indicate the basis of control and any nominee or trust arrangements (if applicable), and prepare the relevant organizational documents and identification for responsible persons. If the bank uses its own forms, follow those forms and instructions.
Scope: The bank expressly sets out commercial account documentation requirements alongside U.S. federal CDD regulatory guidance. The 25% rule is not a global standard, and an account-opening exception does not mean the bank will not ask about beneficial owners.

Source:First Citizens Bank: Business Account Opening Requirements；FinCEN: Frequently Asked Questions on the Customer Due Diligence Rule

Business, initial funds and explanation of source of wealth

Basis for Verification: The bank’s published list does not specify prohibited or restricted industries, a list of source-of-funds documents, risk tiers, review thresholds or triggers for additional checks. FinCEN requires covered financial institutions to understand the purpose of a relationship on a risk basis and monitor it on an ongoing basis; the bank determines specific information requirements case by case.
Preparation recommendation: It is advisable to ensure that the proposed deposit amount, purpose of the account and scale of the business are aligned. For shareholder loans, capital, asset sales or related-party funds, prepare an explanation of the source and relevant contracts, transfer records or accounting documents. This recommendation does not constitute a mandatory bank document requirement.
Scope: Risk-based regulatory obligations for financial institutions and preparation suggestions for applicants; no inference about the bank's internal limits or guarantee that the materials are sufficient.

Source:FinCEN: Frequently Asked Questions on the Customer Due Diligence Rule

Sanctions screening, politically exposed persons and cross-border transactions

Basis for Verification: OFAC explains that financial institutions must not violate the sanctions laws they enforce, but there is no single compliance program that applies to every institution; screening frequency and practices depend on institutional policies and risk. The First Citizens public account pages reviewed did not publish its PEP definition, list-screening procedures, accepted-country scope, or corresponding document checklist. PEP status alone does not constitute a sanctions designation or automatic rejection.
Preparation recommendation: For international remittances, we recommend preparing a verifiable explanation of the actual payer, payee, beneficiary, transaction countries, goods/services, and payment purpose. If the customer or controller holds public office, disclose this truthfully when asked by the bank and prepare an explanation of the source of funds; do not assume that a particular type of evidence must be submitted.
Scope: OFAC’s legal requirements apply to persons subject to them; the checklist of items customers should prepare is a recommendation. It does not claim that the bank has disclosed its internal screening rules or that it accepts customers from any particular country or PEPs.

Source:U.S. Department of the Treasury’s OFAC: Frequently Asked Questions About Starting an OFAC Compliance Program

Tax status and purpose of the customer relationship

Basis for Verification: The bank lists an EIN and, in specific circumstances, an SSN as alternatives on its public business page, but does not specify tax forms for foreign entities or non-resident owners, foreign tax identification numbers, self-certifications, its FATCA collection process or cross-border tax document requirements. FinCEN CDD rules on the purpose of a relationship and ongoing updates are a regulatory baseline for banks, not proof that a particular tax form is required to open an account.
Preparation recommendation: Before applying, specify the entity's place of incorporation, place of business, tax-resident status, TIN/EIN, and the actual intended use of the entity to be opened. Ask the bank to confirm the applicable forms, signatory eligibility, and language and certification requirements for tax documents.
Scope: The bank expressly sets out EIN/specific SSN requirements and the limited information it has published. Foreign tax documents are matters to confirm with the bank.

Source:First Citizens Bank: Business Account Opening Requirements；FinCEN: Frequently Asked Questions on the Customer Due Diligence Rule

Ongoing Compliance Requirements After Account Opening

Changes to address, name, and important details

The Account Terms PDF accessible on the First Citizens website is headed Silicon Valley Bank (a division of First-Citizens Bank & Trust Company) and has a 2019 version date in its footer. This version requires customers to notify the bank of changes to address or name and provides that, unless otherwise agreed, at least one account holder must give notice in writing. Because its scope is limited to that division and version, other First Citizens accounts are governed by the actual account agreement. As a practical recommendation, promptly update the bank on beneficial owners, control persons, signers, and business information and retain proof of submission; this recommendation is not presented as a uniform contract term.

Source:First Citizens website: Silicon Valley Bank division Account Terms and Conditions

Statements, unusual transactions and account security

The same SVB division terms require statements to be reviewed promptly and the bank to be notified promptly of unauthorized signatures or alterations. The agreement specifies a 60-day deadline related to this type of claim and requires business account statements, notices, and returned checks to be reviewed by at least two people, or by someone without account transaction authority. Cite this only if the agreement applies to the account opened; verify the current agreement and notification channels provided by the bank.

Source:First Citizens website: Silicon Valley Bank division Account Terms and Conditions

Risk-based ongoing due diligence and record retention

FinCEN lists ongoing monitoring, identifying and reporting suspicious transactions, and maintaining and updating customer information based on risk as CDD requirements for covered financial institutions. These are regulatory obligations of banks, not uniform obligations requiring customers to submit information on a fixed schedule. Customers may keep an up-to-date ownership chart, registration status, tax ID, business contracts, and key source-of-funds records so they can explain matters promptly when reasonably requested by a bank. First Citizens has not disclosed review frequency, update deadlines, or deadlines for submitting additional documents, and no fixed timeline is represented here.

Source:FinCEN: Frequently Asked Questions on the Customer Due Diligence Rule

Please confirm with the bank before booking

Which First Citizens business unit and specific account-opening legal entity handles this account? Are non-U.S.-resident individuals, applicants with only a foreign address, and foreign-incorporated companies each eligible to apply?
Can this application be completed entirely remotely, or is a visit to a U.S. branch required? Which forms of original documents, certified copies, translations, notarization, or legalization are accepted for passports, proof of foreign address, and foreign incorporation documents?
For complex ownership chains or non-resident controlling persons, what beneficial owner/controlling person information must be provided, and are registration documents required for every tier in the ownership chain?
For this business model and cross-border payments, what information might the bank require about the account purpose, initial source of funds, source of wealth, and counterparties? What document formats are accepted, and what is the acceptable issuance date range?
After account opening, through what channel should the address, name, beneficial owner, signatories, business scope, and anticipated transaction information be updated? Which current account agreement applies to this account, and what are the deadlines for reviewing statements and disputing them?
Please confirm the minimum opening amount, ongoing balance or transaction fees, application processing time, cross-border transaction restrictions, and account review arrangements; which items can be confirmed in writing before a formal application?

Not confirmed by public information

The personal and business pages reviewed do not confirm eligibility for non-resident individuals, foreign-incorporated companies, or globally remote account opening. The provision on the business pages allowing non-U.S. resident responsible parties to provide passport information cannot be broadly interpreted to mean that foreign entities can open accounts.
The bank has not published a uniform checklist of authentication, translation, original document, proof of address validity, source of funds, PEP handling, or risk threshold requirements for overseas supporting documents. Confirm with the bank for the specific account, region, and applicant.
Although the SVB division account terms PDF is provided on the First Citizens website, its heading and 2019 footer limit its scope. This review did not find a uniform agreement confirmed as currently applicable to all First Citizens business accounts.
The processing deadline, deadline for submitting additional documents, cross-border eligibility, frequency of ongoing reviews, fees, and account transaction limits were not confirmed as applicable to this applicant by the sources reviewed. No promise is made about account opening, appointments, or approval outcomes.

Sources & Scope of Verification

First Citizens Bank: Business Account Opening Requirements
Documents commonly listed by the bank for business accounts: identity information for owners holding 25% or more and key responsible persons (non-U.S. residents may provide passport information), EIN and specified SSN alternatives, proof of state registration in good standing, and documents corresponding to the entity type (corporation/LLC/partnership/sole proprietorship); the bank says requirements may vary by case. This page does not confirm eligibility for individual nonresidents or foreign-registered businesses.
First Citizens website: Silicon Valley Bank division Account Terms and Conditions
Downloaded and extracted the website’s PDF text. The document is headed Silicon Valley Bank, a Division of First-Citizens Bank & Trust Company, and the footer indicates a terms version dated 2019. Relevant terms cover written notification of address/name changes, prompt review of statements, notice of unusual transactions, and review arrangements for business accounts. Because the division and version have limited scope, this is only a conditional basis for applicable accounts and should not be generalized to all products across the bank.
FinCEN: Frequently Asked Questions on the Customer Due Diligence Rule
Official FinCEN FAQs (updated through 2026-05-06) explain risk-based ongoing due diligence by covered financial institutions, understanding the purpose of the relationship, customer information updates, and beneficial owner identification and verification requirements. Whether to adopt the 2026 account-opening exception relief is up to each institution. This does not establish that First Citizens has adopted the exception, nor is it a document checklist for every bank product.
U.S. Department of the Treasury’s OFAC: Frequently Asked Questions About Starting an OFAC Compliance Program
OFAC explains that financial institutions must comply with the sanctions laws they enforce, but there is no single compliance program applicable to every institution; procedures and frequency depend on the institution and its risk circumstances. This source does not disclose First Citizens’ own screening policies and does not mean that a customer is automatically rejected for PEP status.

Fees and timelines

At the time of review, the official personal checking product comparison page listed minimum opening deposits of USD 50 for Primary, USD 100 for Premier, and USD 100 for Prestige (page reviewed on 2026-10-26). These are minimum opening deposits shown on the corresponding product pages and do not establish eligibility or availability to nonresidents. Personal/business application review times, cross-border transfer limits, and fees for applicants applying from abroad were not confirmed on the pages reviewed and should not be estimated or promised.

Limitations and practical considerations

The FDIC record shows that the institution is state-chartered and not a Federal Reserve member institution. This review verified its FDIC insured-deposit record and primary federal regulator, but did not separately obtain state license documents or an individual listing from a state regulatory authority.
The personal-account page does not publish verifiable eligibility criteria for residents and non-residents. Eligibility for non-resident aliens, foreign addresses, and whether an in-person visit in the United States is required all need to be confirmed in writing by the bank.
The business document checklist involves state registration status. Although passport information may be provided for responsible parties who are non-U.S. residents, it is not known whether foreign-registered businesses are accepted.
Public materials do not establish the availability of global video account opening, third-party witnessing, overseas notarization, or specific international document authentication services.
Public information does not indicate that Rengangyongsheng (RGYS) currently offers appointment or application assistance services for this institution. This profile does not constitute a promise of an appointment, acceptance, or account opening.
No estimates are provided for unpublished or unverified processing times, fees, balances, or transaction limits. Applications should comply with the bank's review and U.S. anti-money-laundering and sanctions requirements; avoiding scrutiny is not recommended.

Licensing evidence and regulatory verification

The exact legal name First-Citizens Bank & Trust Company was verified in the FDIC BankFind institution details. As of 2026-09-25, the details page identifies it as FDIC-Insured, FDIC Cert #11063, with a state charter and as a non-Federal Reserve System member bank; it lists the FDIC as the primary federal regulator and the CFPB as the secondary federal regulator. A data snapshot from 2026-10-23 queried through the FDIC API using CERT:11063 also returned the institution under the same name with ACTIVE=1. This evidence verifies its FDIC-insured depository institution record and the fields shown; it is not a separate verification of a state banking licence document. No licence number is fabricated here, and neither a holding company nor a brand is presented as the licensed entity.

Federal Deposit Insurance Corporation (FDIC, primary federal regulator); Consumer Financial Protection Bureau (CFPB, secondary federal regulator). FDIC records do not name the state-level regulator. Official registration or record

Information sources

Personal Checking Accounts | First Citizens Bank
The bank publicly lists its Primary, Premier, and Prestige personal checking products and product comparison table; the page shows minimum opening deposit amounts and an FDIC-insured deposit notice. The readable page text does not provide complete eligibility requirements for residents/non-residents or a standardized list of personal identification documents.
Account Requirements | First Citizens Bank
The bank’s list of common business account information includes identification details for owners and 25% holders, passport information for non-U.S. residents, EIN/SSN in specified circumstances, state registration status, a statement for unregistered businesses, and organizational documents depending on whether the business is a corporation, LLC, partnership, or sole proprietorship. The page notes that the number of documents may vary by circumstances.
First-Citizens Bank & Trust Company — FDIC BankFind Institution Details
The FDIC Details record shows the bank’s legal name, FDIC Cert #11063, FDIC-insured status, state-chartered and non-Federal Reserve member status, primary federal regulator FDIC, secondary federal regulator CFPB, and headquarters address. Page data as of 2026-09-25.
FDIC BankFind Institutions API — CERT 11063 query
The FDIC official institution API query CERT:11063 returns a single institution record with NAME First-Citizens Bank & Trust Company, CERT 11063, and ACTIVE 1. Response data index timestamp: 2026-10-23.
Information on Complying with the Customer Due Diligence Final Rule | FinCEN
Official FinCEN guidance on the purpose and four core requirements of the U.S. CDD rules for covered banks, including identifying and verifying customers and beneficial owners, understanding the purpose of the relationship, developing a risk profile, and ongoing monitoring; the page describes the usual 25% ownership and control-person identification requirements.
CDD Rule FAQs | FinCEN
FinCEN FAQs on CDD scope, beneficial ownership information, and verification, updated through 2026-05-06, explain the beneficial ownership information fields and that financial institutions decide for themselves whether to adopt the 2026 account-opening exception relief.
About Form W-9 | Internal Revenue Service
The IRS states that Form W-9 is used to provide a correct taxpayer identification number (TIN) to a payer required to file an information return with the IRS.
About Form W-8 BEN | Internal Revenue Service
The IRS states that a foreign individual provides Form W-8BEN to the withholding agent or payer when the individual is the beneficial owner of relevant amounts, and submits it when requested by the payer; this does not support generalizing it as a form required of every bank account applicant.
Frequently Asked Questions FATCA Compliance Legal | Internal Revenue Service
The official IRS FAQ on FATCA financial-institution classification, registration, and certain compliance-certification requirements, used to explain that the U.S. tax/FATCA framework and this bank’s account-opening documentation requirements must be assessed separately.
Starting an OFAC Compliance Program | U.S. Department of the Treasury
The U.S. Department of the Treasury’s OFAC explains that financial institutions must comply with the sanctions laws it enforces. Compliance procedures depend on an institution’s size and the risks posed by its customers and business, and OFAC itself is not a bank regulator.
Deposit Insurance | FDIC
The FDIC lists the insurance framework for traditional deposit accounts, the automatic coverage mechanism for accounts at insured depository banks, and categories of nondeposit financial products not covered by FDIC deposit insurance. This is not intended to promise a coverage amount for any individual case.