The Ultimate Step by Step Guide to Cancelling a First Citizens Bank Subscription or Membership (firstcitizens.com)
By
Bella K.
|
Published
August 10, 2025
|
Updated
August 11, 2025
First Citizens Bank is a friendly financial institution that helps you manage your money easily. They offer services like checking and savings accounts, loans, and credit cards. If you have a subscription or regular billing with them, itās probably for things like your bank account fees or loan payments. Itās a convenient way to keep track of your finances in one place!
Canceling a subscription or membership with First Citizens Bank may require navigating their customer service processes, which can sometimes be time-consuming. However, it generally involves straightforward steps if the user follows the correct procedures laid out on their website or through customer support.
Estimated Time
On average, it takes 10 minutes0010 minutes to cancel a First Citizens Bank subscription.
How to Cancel First Citizens Bank: Step by Step
If you purchased through First Citizens Bank directly:
Log in to your First Citizens Bank online account.
Navigate to the Account Services section.
Select Manage Subscriptions or similar option.
Find the subscription you wish to cancel.
Click on the Cancel button or link next to the subscription.
Follow any prompts to confirm the cancellation.
You will receive a confirmation email regarding the cancellation.
If you purchased through a mobile app (iOS or Android):
Open the First Citizens Bank mobile app on your device.
Log in to your account.
Go to the Account Services section.
Select Manage Subscriptions.
Locate the subscription you wish to cancel.
Tap on the Cancel option next to the subscription.
Confirm your cancellation when prompted.
A confirmation notification will appear in the app.
If you purchased using a Third-Party Billing Source (e.g., PayPal):
Log in to your PayPal account.
Go to the Settings gear icon.
Select Payments.
Under Manage Automatic Payments, find First Citizens Bank.
Click on the subscription.
Select Cancel or Stop Payments.
Follow any confirmation prompts to finalize the cancellation.
If you purchased through a gift card:
Contact First Citizens Bank Customer Service directly.
Provide the gift card number and any necessary account information.
Request the cancellation of the associated subscription.
Follow any additional instructions provided by the customer service representative.
How to Contact First Citizens Bank
If you need assistance, here's how you can get in touch with First Citizens Bank's support team.
Tips and Tricks for Getting a First Citizens Bank Refund
Call during non-peak hoursāearly mornings or late afternoons often have shorter wait times.
Be clear and concise about your intention to cancel from the beginning of the call.
Ask for a supervisor directly if you feel the representative is not helpful or if you encounter pushback.
Use polite yet firm language to communicate your decision without leaving room for negotiation.
Request written confirmation of the cancellation to have a record of your request.
Leverage social media by tweeting or posting your issue; companies often respond faster to public inquiries.
Consider checking for any exit fees or policies that could affect your cancellation.
Keep any account-related information handy for quicker processing during the call.
Use āI need to cancel due to financial reasonsā which might elicit more understanding and less resistance.
Explore whether pulling funds or freezing your account may prompt quicker action on your cancellation request.
Be prepared to repeat your cancellation request to ensure it is processed correctly.
Document all communications, including dates and names of representatives you spoke with.
Why Do People Request Refunds from First Citizens Bank
High fees associated with account maintenance.
Poor customer service experiences.
Lack of convenient branch locations or ATMs.
Limited online banking features or functionality.
Unsatisfactory interest rates on savings or loans.
Better offers from competing banks.
Changes in personal financial situation requiring reevaluation of expenses.
Difficulty in accessing account information or managing accounts online.
Unwanted marketing communications or spam.
Account performance not meeting expectations.
First Citizens Bank Refund Script
Script
Copy
Dear First Citizens Bank, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
First Citizens Bank Refund Policy
First Citizens Bank allows customers to cancel membership or subscriptions by contacting customer service directly. Cancellation requests must typically be submitted in writing, and any pending transactions will be processed before the cancellation takes effect. Customers are encouraged to review specific terms related to their accounts for detailed cancellation procedures.
The Easiest Way to Get a First Citizens Bank Refund
If you're frustrated trying to cancel your subscription, membership, or bill from First Citizens Bankāor if you didn't even realize you were being chargedāChargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we'll take care of the rest.
Frequently Asked Questions
Be cautious of any confusing terms or hidden clauses in your agreement; First Citizens Bank may have stipulations that require a notice period before cancellation, or they might enforce early-cancellation fees. Additionally, make sure to thoroughly read the fine print regarding auto-renewals, as subscriptions might automatically extend unless you cancel before a certain date. Always double-check the cancellation policy to avoid unexpected charges.
High fees associated with account maintenance.
Poor customer service experiences.
Lack of convenient branch locations or ATMs.
Limited online banking features or functionality.
Unsatisfactory interest rates on savings or loans.
Better offers from competing banks.
Changes in personal financial situation requiring reevaluation of expenses.
Difficulty in accessing account information or managing accounts online.
Unwanted marketing communications or spam.
Account performance not meeting expectations.
Account Number
Login Credentials (username and password)
Billing Address
Reason for Cancellation
Contact Information (phone number or email)
Last Payment Date
Subscription Type (e.g., checking, saving, loan)
Security Questions responses
Merchant Name (if related to a specific bill)
Confirmation Email (if applicable)
Before cancelling your subscription or membership with First Citizens Bank, be aware that you will lose access to various features such as online banking, mobile deposits, and exclusive account benefits. Additionally, check if there are any outstanding fees or penalties associated with cancellation. Make sure to transfer any remaining funds or payments linked to your account to avoid disruptions. Lastly, keep in mind that certain services like credit monitoring or identity theft protection might also be affected.
First Citizens Bank allows customers to cancel membership or subscriptions by contacting customer service directly. Cancellation requests must typically be submitted in writing, and any pending transactions will be processed before the cancellation takes effect. Customers are encouraged to review specific terms related to their accounts for detailed cancellation procedures.
To cancel your subscription with First Citizens Bank, you will need your password to access your online account. If you've forgotten your password, you can easily reset it by visiting [this link](https://www.firstcitizens.com/reset-password). However, you may also have the option to contact customer support for assistance without using your password.
The cancellation process typically takes about 10 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your First Citizens Bank subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your First Citizens Bank account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel First Citizens Bank online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
First Citizens Bank May Show Up On Your Statement As:
FIRST CITIZENS BANK FIRST CITIZENS FCB FIRST CITIZENS BANK CARD FIRST CITIZENS BANK ATM FIRST CITIZENS BANK LOAN PAYMENT FCB ONLINE PAYMENT FIRSTCITIZENS.COM FCB MORTGAGE PAYMENT FIRST CITIZENS BANK DEPOSIT
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Ā¹ Total savings is calculated based on internal annualized estimates of
savings for customers. Ā² Average requests times may vary depending on volume of requests
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