Terms & Conditions

Effective Date: June 11, 2025

Welcome to the website of First Citizens Bank (“First Citizens Bank,” “FCBL,” “we,” “us,” or “our”). By accessing or using our website (“Site”), you agree to abide by the following Terms & Conditions (“Terms”). Please review them carefully. If you do not agree to these Terms, please do not use the Site.

By using any portion of this Site, you acknowledge and accept these Terms, as well as our Privacy Policy, and any other applicable agreements associated with First Citizens Bank products or services.

First Citizens Bank offers products and services to individuals and businesses who meet our account eligibility criteria. Our services are available only in jurisdictions where permitted by law. By using this Site, you confirm that you meet the applicable eligibility requirements for the services you seek to access.

All information on this Site regarding accounts, loans, services, rates, and fees is provided for general informational purposes and does not constitute a formal offer or contract. Products and services are subject to change, qualification, and approval.

Note: Rates, terms, and fees may change without prior notice.

By using our Site and submitting forms electronically, you consent to receiving disclosures, notices, and communications electronically in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act). You agree that electronic signatures are legally binding as if signed in writing.

Protecting your personal information is important to us. Please refer to our Privacy Policy for full details on how we collect, use, and secure your data.

While we implement reasonable safeguards to protect your data, First Citizens Bank is not responsible for losses caused by unauthorized access resulting from third-party attacks, system failures, or your failure to maintain the confidentiality of login credentials.

All content on this Site — including but not limited to text, graphics, logos, icons, and software — is the property of First Citizens Bank or its licensors and is protected under applicable intellectual property laws.

You may not reproduce, modify, distribute, or create derivative works without our express written permission.

We strive to maintain consistent Site availability but do not guarantee uninterrupted access. First Citizens Bank reserves the right to modify, suspend, or discontinue any aspect of the Site or its contents at any time without notice.

This Site may include links to external third-party websites for your convenience. First Citizens Bank does not control or endorse the content on these websites and is not responsible for any damages or losses that may arise from their use. Access them at your own discretion.

All content and functionality on the Site are provided “as is” and “as available,” without warranties of any kind.

First Citizens Bank expressly disclaims all warranties — express or implied — including, but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement. To the fullest extent permitted by law, we shall not be liable for any direct, indirect, or consequential damages arising from your use of the Site.

FDIC Insurance:
First Citizens Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Your deposits are insured up to at least $250,000 per depositor, per ownership category.

Equal Housing Lender:
We are an Equal Housing Lender, fully compliant with the Fair Housing Act and Equal Credit Opportunity Act.

These Terms are governed by the laws of the State of Alabama, without regard to its conflict of law provisions.

We may update or modify these Terms at any time. Changes are effective immediately upon posting. Your continued use of the Site constitutes your agreement to the revised Terms.

If you have questions regarding these Terms or the Site, please contact us at:

First Citizens Bank

100 West Third St.
Luverne, AL 36049
Phone: (334) 335-3346
Website: https://www.fcbl.com