First Citizens Mobile Banking

This app that I have been waiting on forever is a disappointment. When I first downloaded it I was pleased as it seemed easy to use. I assume most of the good reviews are from directly after download. Mine shows no activity since Sept 22, it is Oct 10! There have been probably 30 transactions since Sept 22. I love the company and would not trade it, but I know BoA has features on their website and app to track your spending into categories; shopping utilities etc and was really hoping for this feature so I don't have to keep manually inputting every purchase into a separate budget app. I love your bank First Citizens and appreciate the effort but your app leaves a lot to be desired.

I’ve been a First Citizens customer for over 40 years. There have been a few bumps in the road but overall they have provided great service. I was very excited when the site was announced. I was ready to dump Mint, Quicken and other methods. The online tool certainly provides the necessary banking functions. I wish there were three additional tools. First I wish there was a view in the check register that included a running balance and a place for more details on the purchase. Yes a little old school but it would be helpful when there is the rare discrepancy. Secondly, a budget tool that tracked spending with a report that can be printed. Again a little old school but would help track business, tax filing and vacation related expenses. Finally and more related to purchases and not online banking but text alerts for unusual debt card usage. Having recently had a fraudulent charge it would be nice to have the option to approve debt card useage via a text response. Common recurring expenses that are tied to the card could be pre-approved. But a purchase over a certain amount would trigger a text asking for approval before the charge is processed.

I’m SOOOO done with either this dumb app or First Citizens themselves NEVER showing me my correct balance. Literally a couple of days ago I had $30 in my account and stopped to get food, card got declined. COOL thanks. Check my account, says -2. I start freaking the frick (pg language but like I wanna use so many vulgar words) out and accept that I spent too much money. I basically become a prude with spending for the next 2 days and check it today? $30. How do you lose $30. Like..... I don’t make that many purchases how was there $30 worth of mistakes. Like I technically was owed $4 by one of the purchases that needed to be refunded but that doesn’t explain how 32 dollars I guess was LOST. makes no sense to me and caused a lot of embarrassment looking like I can’t afford a $16 purchase. Embarrassing. and this is NOT the first time this has happened. Don’t know what’s causing it but I’d like an answer? Is it the app or the bank and why does it happen so often?

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I would think the app is mostly fine, but the most important features - like depositing checks & doing bill pays - are not user friendly. I don’t know if it’s an app glitch or their servers, but I’ve gotten error messages on mobile check deposits, or it’s insisted that there’s a problem with the check image or amount, or the app just shuts down. As far as bill pay - it’s a bookkeeping and timing hassle that if I want to put an invoice # or note on a check, it converts it to a paper mode with a longer process. A few times since the 7 months I’ve had this account, Bill pay has failed to deliver a check by the scheduled date. The rep on the phone said, “Well we don’t guarantee the delivery of the checks by the date you requested.” And yet, there are no fine print details or links for that anywhere near the calendar field when you’re scheduling your payment.

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This app drives me nuts. It should be able to do face or fingerprint recognition, as all the other financial institutions now allow, but it doesn’t. I see that the app advertises it supports Touch and Face ID, but so far, mine does not. It also rejects my password when I enter it the first time, even though I am careful and slow about entering. I enter the same password the second time, and I’m in. Very annoying. It would be nice if I could opt to see my password as I’m typing it. Most apps offer that option now. Then, one of the features I need the most, Pay People, is never functional. When I called customer service, they said it would be up by the end of the day. WEEKS later, it was still down. I gave up trying. It also puts decimals for the dollar amounts in funky places, then tells me I’m entering the dollar amount wrong, but gives me no way to correct it. I feel like First Citizens if very far behind the technological curve.