First Citizens Bank

Does First Citizens Bank have Zelle? Yes. Customers send and receive Zelle payments in Digital Banking and the mobile app at no charge. Sending is capped per rolling 24 hours and per rolling 30 days, and your available limit appears in Zelle when you set up a payment; receiving has no bank limit. An outgoing domestic wire costs $30 and an incoming wire $16. External transfers between banks are free.

At a glance

• ZelleYes, in Digital Banking and the mobile app
• Zelle limitsRolling 24-hour and 30-day send limits, shown in Zelle when you send; no receive limit
• Domestic wire out$30
• Incoming wire$16

Sources: Zelle at First Citizens · Disclosure of Products and Fees · Checked on October 19, 2026

Zelle at First Citizens Bank

To start, log in to Digital Banking and select Send Money with Zelle; it works in the mobile app too. The Digital Banking Fee Schedule lists person-to-person transfers with Zelle at no charge.

First Citizens no longer publishes fixed Zelle dollar limits. It says your limits “may vary based on factors such as your account relationship, recipient and transaction history” and that you can view your available sending limit within Zelle in First Citizens Digital Banking when setting up a payment. Limits run over a rolling 24 hours and a rolling 30 days, not from midnight. First Citizens says it does not limit how much money you can receive with Zelle.

Sources: Zelle at First Citizens, undated · Digital Banking Fee Schedule, undated · Checked on October 19, 2026

Wire transfers at First Citizens Bank

Wire transfers are for customers only, and an email advice of a domestic wire costs $2.50. The Texas and Missouri editions of the fee disclosure list $19 for incoming wires in Georgia and Florida.

Source: Disclosure of Products and Fees, NC, SC and VA, effective January 24, 2026 · Checked on October 19, 2026

External transfers (ACH)

Consumer external transfers in Digital Banking are limited to $10,000 per transaction, $10,000 per day and $50,000 per month. They cost nothing in either direction. The cutoff is 9:00 PM ET on business days; a transfer started by then should reach the other account by the next business day.

Sources: Digital Banking Agreement, March 30, 2026 · External transfers guide · Digital Banking Fee Schedule · Checked on October 19, 2026

If a transfer is late or went wrong

A Zelle payment stuck in pending is covered in Zelle payment pending; to stop one, see cancel a Zelle payment, and after fraud, Zelle scam refund. For wires, read how long do wire transfers take and wire transfer not received; for bank-to-bank transfers, ACH transfer pending. Contact First Citizens through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.