First Citizens Bank Holiday Hours: Plan Your Banking Schedule

As a trusted and widely recognized financial institution, First Citizens Bank serves millions of customers with a full range of financial products and services. Knowing First Citizens Bank’s holiday hours for 2025 can help customers avoid potential delays and ensure uninterrupted access to essential banking services. This guide provides detailed information about the holiday schedule, potential impacts on transactions, and tips for managing your finances during bank closures.

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First Citizens Bank 2025 Holiday Schedule

First Citizens Bank generally observes the standard federal holiday schedule in the United States, which can impact branch and customer service availability, as well as processing times for various transactions.

Observed Federal Holidays in 2025

Below is a comprehensive list of federal holidays that First Citizens Bank will observe in 2025:

New Year’s Day – Wednesday, January 1
Martin Luther King Jr. Day – Monday, January 20
Presidents’ Day – Monday, February 17
Memorial Day – Monday, May 26
Juneteenth National Independence Day – Thursday, June 19
Independence Day – Friday, July 4
Labor Day – Monday, September 1
Columbus Day – Monday, October 13
Veterans Day – Tuesday, November 11
Thanksgiving Day – Thursday, November 27
Christmas Day – Thursday, December 25

First Citizens Bank locations will typically close on these dates. However, online and mobile banking services remain accessible even on holidays, allowing customers to perform basic banking tasks like checking balances and transferring funds between accounts.

How Holiday Hours Affect Banking Services at First Citizens Bank

While First Citizens Bank remains committed to offering reliable and accessible services, holiday closures can lead to temporary delays in processing certain types of transactions. Customers should be aware of how specific banking services are affected during holiday periods.

Branch Services

Branches will be closed on the listed federal holidays, so customers requiring in-person assistance should plan accordingly. Services like opening new accounts, cash deposits, withdrawals, and loan consultations will be unavailable on these dates.

Transaction Processing

ACH Transfers and Bill Payments: ACH transfers and bill payments scheduled for a holiday will generally be processed on the next business day. It is wise to plan essential payments, such as utility bills or loan installments, for non-holiday dates to avoid delays.
Direct Deposits: While First Citizens Bank processes direct deposits promptly, a holiday can delay the deposit until the following business day. Customers expecting payroll or other significant deposits should take this potential delay into account.
Wire Transfers: Wire transfers, particularly international transactions, are typically delayed by federal holidays. Customers needing wire services on or near a holiday should consider initiating the transfer a day in advance to ensure timely processing.
Mobile Check Deposits: The mobile check deposit feature on the First Citizens Bank app remains accessible throughout the holiday. However, check deposits made on holidays may not clear until the next business day.

Customer Support Availability

Customer support services may be limited or unavailable on observed holidays. Customers requiring assistance on these days are encouraged to use First Citizens Bank’s digital resources, such as the online Help Center and FAQ sections, for common inquiries. Live phone support is typically unavailable on major holidays, making it important for customers to plan for any account-related questions in advance.

Tips for Managing Your Banking Needs During First Citizens Bank Holiday Hours

Proper planning around the holiday schedule can help customers navigate their finances without unnecessary delays. Here are some key tips to keep in mind:

Plan Payments and Transfers in Advance: Schedule any essential payments or transfers for a few days before the holiday to ensure they are processed on time. This step is particularly crucial for bills or loan payments due on or immediately after a holiday.
Utilize Online and Mobile Banking Services: First Citizens Bank’s digital platforms offer a convenient way to check balances, make transfers, and review transactions at any time, even on holidays. Customers are encouraged to familiarize themselves with the bank’s online banking features, which can provide valuable support during holiday closures.
Set Up Alerts for Upcoming Payment Due Dates: Customers can use the bank’s alert feature to stay informed of approaching payment deadlines. This feature can help prevent missed payments and potential fees, especially when holidays fall near the due dates.
Contact Customer Support in Advance: For customers needing personalized assistance, it’s recommended to contact customer support before the holiday. This step ensures they receive timely help, especially for matters requiring verification or approval.

Frequently Asked Questions about First Citizens Bank’s Holiday Hours

Will my paycheck direct deposit be affected by holidays?

Direct deposits may be delayed if the deposit date coincides with a holiday. Customers expecting paycheck or benefits direct deposits should confirm the scheduled date with their employer or benefits provider and plan for the possibility of receiving the funds on the next business day.

Can I still deposit checks using the First Citizens Bank mobile app on holidays?

Yes, customers can make mobile check deposits on holidays through the First Citizens Bank app. However, the processing of checks submitted on a holiday will begin on the following business day, which can impact the availability of funds.

What services are available through online banking on holidays?

Online banking services remain operational throughout the holiday period. Customers can check their account balances, make transfers between accounts, and access transaction histories without interruption. However, transactions involving external accounts or ACH transfers may not process until the next business day.

How can I find out about holiday hours for specific First Citizens Bank branches?

First Citizens Bank provides detailed branch information on its website, including hours of operation and holiday closures. Customers can visit the website or contact their local branch for specific details about closures or holiday hours in their area.

Planning Ahead for the Holiday Season

The holiday season, which typically begins in late November, is a particularly busy period for banking services. First Citizens Bank customers can take a few extra steps to ensure smooth transactions during this high-traffic period:

Deposit Early for the Holidays: For those expecting holiday bonuses or gift deposits, it’s advisable to make deposits a few days before Thanksgiving or Christmas. This precaution helps ensure timely access to funds during the peak holiday season.
Monitor Your Account for Security: The holiday season is a high-risk period for fraud and identity theft. First Citizens Bank recommends that customers monitor account activity closely, set up transaction alerts, and review recent statements for unusual activity.
Plan Holiday Spending with Budgeting Tools: The First Citizens Bank mobile app includes helpful budgeting tools for managing holiday spending. These tools can assist customers in keeping track of their holiday expenses, making it easier to stick to a budget.

Conclusion: Smooth Banking with First Citizens Bank During Holiday Closures

Understanding First Citizens Bank’s holiday schedule for 2025 can help customers avoid potential disruptions to their banking needs. By planning transactions in advance, utilizing digital banking features, and staying informed about holiday processing times, customers can effectively manage their finances year-round.