FirstCitizens Bank Trust Company Merchant Service Review

Read Reviews and Opinions about FirstCitizens Bank Trust Company. Share Positive Experiences and or Negative ones. Leave Customer Feedback about the Service Provider FirstCitizens Bank Trust Company Complaints, Information, Sales Agent Office Practices of Processor FirstCitizens Bank Trust Company Small Business Credit Card Processor Services from FirstCitizens Bank Trust Company. Are FirstCitizens Bank Trust Company fees & rates low, fair or too high? Cancel, Switch from CC Merchant Account FirstCitizens Bank Trust Company

FirstCitizens Bank Trust Company Sales and Customer Support for Small Business FirstCitizens Bank Trust Company Shutoff, Closed, Cancelled, Denied Does FirstCitizens Bank Trust Company Take High Risk Merchant Accounts? How To Cancel Your Merchant Account with FirstCitizens Bank Trust Company FirstCitizens Bank Trust Company Rates and Fees Too High? Is FirstCitizens Bank Trust Company a Ripoff or Scam?

---

What First Citizens Bank & Trust Company Appears to Offer

First Citizens Bank & Trust Company, headquartered in Raleigh, North Carolina, has a robust merchant services division. They provide payment processing for credit and debit cards, point-of-sale (POS) systems, e-commerce gateways, ACH services, and cash management. Merchant services are positioned alongside core commercial banking solutions, allowing clients to manage both traditional banking and modern payment processing in one relationship. Other offerings include risk management and fraud prevention catered to different industry verticals.

Who They Serve / Typical Merchant Types

Clients served by First Citizens Bank include small businesses, large commercial entities, nonprofits, agribusinesses, healthcare practitioners, manufacturers, and professional service firms. Their services are designed for a wide range of U.S.-based merchants looking for integrated banking and payment processing support.

Where They Are Based

Headquarters: 4300 Six Forks Road, Raleigh, NC 27609

Phone Number

Customer Service: 888-323-4732

How Long in Business

First Citizens Bank & Trust Company has been in operation for over 128 years (since 1898), and is the main banking arm of First Citizens BancShares.

What Merchants Should Verify

• Transparency of pricing/rates and all additional fees
• Contract length and terms
• Existence of early termination fees (ETFs)
• Equipment leasing or purchase options
• PCI compliance, batch, and gateway fees
• Settlement funding timelines
• Chargeback management support

Always obtain detailed contract terms in writing and inquire about cancellation, renewal, and any monthly minimums or potential for rate increases.

How to Evaluate Them: Questions to Ask & Red Flags

• Request all fees and charges, including less obvious recurring ones
• Ask about contract auto-renewals and cancellation process
• Clarify equipment terms if offered POS solutions
• Detail timelines for payment settlements and handling of chargebacks
• Confirm customer support hours and escalation options
• Red flags: high-pressure tactics, hidden fees, non-cancellable leases, or vague pricing

Share Your Experience

If you're a current or past customer, please leave an honest review. Share experiences with pricing, transparency, contract terms, equipment, customer support, funding holds, and the cancellation process, along with dates and specifics. Please avoid posting sensitive data like full card numbers or social security numbers.

Read Reviews and Opinions about FirstCitizens Bank Trust Company Leave Customer Feedback about the Service Provider FirstCitizens Bank Trust Company Complaints, Information, Sales Practices of Processor FirstCitizens Bank Trust Company Small Business Merchant Services from FirstCitizens Bank Trust Company Cancel, Switch from Merchant Account FirstCitizens Bank Trust Company

FirstCitizens Bank Trust Company Sales and Customer Support for Small Business FirstCitizens Bank Trust Company Shutoff, Closed, Cancelled, Denied Does FirstCitizens Bank Trust Company Take High Risk Merchant Accounts? How To Cancel Your Merchant Account with FirstCitizens Bank Trust Company FirstCitizens Bank Trust Company Rates and Fees Too High? Is FirstCitizens Bank Trust Company a Ripoff or Scam?

---