(828) 898-5605 info@averycounty.com

First Citizens Bank and Trust

First Citizens Bank and Trust


FinancialBanks & LendersFinancial Services

About Us

Why choose First Citizens?

Because we've been helping families and businesses just like yours make more of their finances for more than 120 years. We've shared their dreams, helped make their budgets work harder and built solid financial plans to last them the rest of their lives. And in that time, we've built a solid track record of service, stability and reliability.

Join First Citizens by opening a new Free Checking account

It's easy, fast and free to open an account online and become part of our First Citizens family. We've been helping folks lead better financial lives for more than a century, and we'd love to do the same for you.

Low minimum deposit
Get a new account started with a minimum opening deposit of $50

No monthly fee
Monthly fee of $0 when you enroll in paperless statements

Access anytime, anywhere
Enjoy free Digital Banking,2 bill pay and 24/7 mobile deposits

Open a checking account to access all we have to offer:

Explore new ways to save with Online Savings, Money Market and CDs

Credit cards
Find a credit card with features that work for you, like travel rewards and cash back

Buy or refinance a home with an adjustable or fixed-rate mortgage

Apply for an auto, home or personal loan to help you achieve your goals

Insure what matters most and protect yourself from the unexpected

Since 1898, customers have trusted First Citizens Bank with their money and their futures. Now, 116 years later we are helping our local folks with creative banking products.


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Travel Guide

Explore the Extraordinary

Home of the Annual Woolly Worm Festival
and the beautiful Blue Ridge Mountains.

Visitor, Relocation and Business Guide