First Citizens Mobile Banking 4+

I love the app in general. It’s easy to use and understand!

The only thing that I don’t care for is how my Social Security check isn’t posted to my account at midnight on the date it’s supposed to be! It’s shows up on the date as pending transaction. And I can’t see if it’s been deposited by Social Security as a pending deposit on the actual date that Social Security sends it to the bank! Every bank and credit union I have dealt with for the last 20 years post the deposit on the date it’s received and it shows up as a pending deposit with the date its supposed to go into my account! Cause if I’m not mistaken by federal law once Social Security sends the deposit to the financial institution for the customer’s account it has to be shown as received by the financial institution. That’s because it’s sent to the financial institution at the minimum of three days prior to the funds actually being posted to the customer’s account. So the financial institution can’t hide the deposit from the customers account that’s a prohibited practice! Cause basically that would mean that it’s not deposited at midnight on the date it shows from Social Security for such deposit! The customer can’t access his funds until later in the afternoon of that date instead at midnight or close to it on that date!

I rarely take the time to write reviews, but I will for FCB digital banking. I have been a customer for almost thirty years. It took me some time to adjust to, and trust in, the digital banking when it first began. Over time I have grown to trust it and love the convenience. When I do need to go to the bank branch (Reidville Rd., Spartanburg SC.) they are always very helpful. (Denise O’Shields is my long-time loan officer and she is a hoot. She will bend over backwards for you. Pay ATTENTION to that FCB personnel and let her know that got a shoutout.) Mostly I need the bank branch for personal loans. They even helped me get my son started on his banking needs. He is now 22 yrs. old with excellent credit and doesn’t need me to co- sign any loan (stop bragging you moron; no one wants to hear that. “I tell myself”.)

As for the social security review, I can tell you from many years of personal experience, you can trust that your SS money is going into your account on the day of; yes at 12:00am. All transaction you make, digital or physical, that are made that day before 3:00pm, will clear on the same day you make your transaction. So, your money is safely in your bank, even at 12:00am.

So I do love the app but my only CC is that when I make payments, purchases, or have any transactions I like to see immediately the results of it. I could care less to even joke with the idea I need to know my entire balance without the pending sales. It’s a waste of time and it gets confusing in the mobile app to see both and then see what’s pending in transactions. I can’t keep up with weather or not the numbers are accurate with what’s been paid for already. Especially can’t stand that my credit card bills and mortgage payments don’t come out IMMEDIATELY from the accounts they take literal days for them to even come out of my account. If I’ve had to take the time to set up the information to another server of all the direct account information it should take no longer than 24hrs to show transactions of that out. I do love the app otherwise. It’s super helpful to have the account information secure but at fingertips if needed for another server. Also higher security 🖤 Great customer service at all banks I’ve visited. Fast delivery for cards! ATMs are usually not to far apart and in good clean lit areas of use. Usually near great places! All in all great bank - good app. 👌🖤🙏