Debit Card Options

No matter what debit card you choose, the MasterCard® logo will be displayed in the lower right-hand corner.

Click here to enroll your card in MasterCard® SecureCode™ for added protection against unauthorized use of your card when you shop online.

Click here for frequently asked questions about MasterCard® SecureCode™

Click here for information about the Automatic Billing Updater (ABU) service that MasterCard® recently introduced.


Card activation/Customize your PIN: 1-800-717-4923


Want to change your PIN number? Visit any First Citizens ATM and look for the menu option on the main screen.


If you have a lost or stolen debit card:

If during normal bank hours, please call the First Citizens Bank location nearest you.

If during non-bank hours, please call SHAZAM at 1-800-383-8000. For more information about SHAZAM, go to


If you suspect fraudulent transactions on your debit card:
Please call SHAZAM Falcon Fraud Assistance at 1-866-508-2693.


First Citizens Bank uses a fraud prevention tool provided through our partner, SHAZAM, for ALL debit card customers.

For your safety, activity on your debit card is monitored and card blocks by SHAZAM may occur. In the event a block takes place, contact the SHAZAM Fraud Department at 1-866-508-2693. By calling this number, you can confirm blocks and reinstate your card.


My Debit Card*
With the My Debit Card, there is no check writing! Simply use the funds from your checking account to pay for goods and services with your debit card. Come in to the bank and talk with a personal banker if interested in ordering a My Debit Card.

*Must meet current underwriting guidelines. Must have a First Citizens checking account.

My Pic Photo Debit Card*
With the My Pic Photo Debit Card, you can customize your debit card with a personal photo, or use one of the photos in our image gallery…it’s up to you!

Click here to create your My Pic Debit Card.

*Must meet current underwriting guidelines. Must have a First Citizens checking account.

My Pic ID Debit Card*

The new My Pic ID Debit Card is perfect for you if you would like a debit card that is also an ID card! You have the option to change your photo when you like, to what you like!

Click here to create your My Pic ID Debit Card.

*Must meet current underwriting guidelines. Must have a First Citizens checking account.

KachingLogoWe’ll give you money when you use your debit card!

With Ka’Ching Debit Card Rewards, the more times you use your First Citizens debit card as a credit card, the more you’ll get back each month, up to $10 per month!** Best of all, it applies to all First Citizens debit cards!*** There are certain restrictions, so stop in and visit with a personal banker to learn more.

**Minimum daily checking account balance of $500 required to earn rewards. eStatements required. Dollar amount received depends on number of signature-based transactions per month. First Citizens reserves the right to discontinue program at any time. See a personal banker for full details.
***Normal underwriting guidelines apply. Does not apply to HSA accounts.

Every time you make a debit card purchase, your savings grows!

After enrolling, your debit card purchases will automatically be rounded up to the next whole dollar. The difference is automatically transferred to your designated First Citizens savings account. To help you track your savings, your monthly bank statement will contain an itemized list of the transactions plus provide a record of the savings transfers and the new balance of your savings account. Click here to enroll in uSave today!