Private Banking

A holistic approach to private banking solutions

A partnership you can count on

Our customized private banking services revolve around you and your unique financial journey. A team of financial partners is dedicated to helping you navigate life's changes and implement sound financial solutions.

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Our private banking services

Explore a range of customized banking solutions to meet your unique needs.

Deposit Solutions

Reach your short- and long-term financial goals through a range of services based on your unique financial plan and supported by a dedicated private banker.

Learn more about deposit solutions

Private Mortgage Lending

We have decades of experience helping high-net-worth clients with both traditional and complex income sources finance their dream homes while keeping an eye on their long-term wealth strategies.

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Securities-Backed Lines of Credit

Partner with your private banker to explore ways to access liquidity without disrupting your long-term investment strategy—plus, low-cost financing options and a quick, efficient process.

Learn more about securities-backed lines of credit

Customized Lending

We offer an advice-driven approach to identify sources of collateral, explore flexible terms and coordinate solutions aligned to your overall wealth plan—all backed by the strength of First Citizens.

Learn more about customized lending
Private Banking FAQ

People often ask us

Private banking provides highly customized, relationship-based banking services to eligible clients based on their unique needs and overall wealth strategy. These services include enhanced deposit solutions, private mortgage lending, and customized and securities-backed lending options.

A private banker is a financial professional who works one on one with private banking clients to understand their unique financial plan and provide personalized services to support their goals. Private bankers also connect private banking clients with a larger dedicated team of banking, lending, trust and wealth management professionals.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value.  They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested.

About the Entities, Brands and Services Offered: First Citizens Wealth™ (FCW) is a marketing brand of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender, and SVB, a division of First-Citizens Bank & Trust Company. icon: sys-ehl

All loans provided by First-Citizens Bank & Trust Company and Silicon Valley Bank are subject to underwriting, credit and collateral approval. Financing availability may vary by state. Restrictions may apply. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies are subject to change without notice. This is not a commitment to lend. Terms and conditions apply. NMLSR ID 503941

For more information about FCIS, FCAM or SVBW and its investment professionals, click the links below:

FirstCitizens.com/Wealth/Disclosures

SVB.com/Private-Bank/Disclosures/Form-ADV

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.