First Citizens Bank operates with a philosophy of "Forever First," focusing on the long term for both the company and its customers' finances. This approach emphasizes that banking is primarily about people, supported by experienced bankers ready to assist. The bank offers a comprehensive suite of personal and business banking solutions, including various checking and savings accounts, personal and business lending options, home equity solutions, and credit cards.

Additionally, First Citizens Bank provides robust digital banking tools for convenient access to financial services anytime, anywhere, and specialized support through dedicated mortgage bankers, investment advisors, commercial lenders, and insurance specialists.