Quicken which citizens bank

Using widgets configurable application windows , MyCitizens Online allows you to add, delete or move information that is important to you. If you like the functionality and would like to save it as your landing page, select Set as Start Page. For a detailed guide to setting up MyCitizens Online, download the user guide by selecting the link below:. MyCitizens Online User Guide. Learn about Cash Management. Imagine processing your business bank deposit without leaving your desk! Our Merchant Capture product allows you the convenience to do just that.

Increase your revenue opportunities with Merchant Card Services. Electronic terminals, PC software, Smart phones or Touch-tone phone processing are the many ways that are available to process these transactions at a very affordable rate.

Unable to make it to the bank during business hours? Use our convenient night deposit box to secure your banking transactions.

All transactions dropped off after business hours are processed at the beginning of the next business day. This service is available at no charge to our customers. Sweep Services allows you to take charge of your finances and limit your fees at the same time. This hour service enables you to access your personal account information using any touch tone phone 24 hours a day, days a year.

With phone banking, you may perform the following functions: Get current balance information, Gather information on your loan accounts, or Review recent transactions. To use this service simply call toll free at Wire transfers are a quick and easy way to transfer money from one bank to another. Citizens Bank originates and receives both domestic and international wires.

Skip Navigation Business Services. ATMs For your convenience, access your business account information 24 hours a day — 7 days a week. First Citizens branch locations will be closed in observance of the following federal holidays. Posting order is the order in which transactions debits and credits are applied to your account during processing at the end of a business day.

Assuming that all example transactions below are made and received by us within the same business day, they'll post to your account in the following order:. Posting order allows you to make internal credit transfers from one account to another through ATM , Digital Banking, Commercial Advantage or through our automated phone service.

These credit transfers will be applied before all other transactions posting that day. At 1 p m , she realizes that she doesn't have enough funds in her account to cover her morning purchase. Notice in the example above, Sally has opted-in to our basic overdraft service for ATM and one-time debit card transactions, and no other transactions post to her account on Monday.

Transactions for both business and personal demand deposit accounts, such as checking and savings, post in the same order. Credits are deposits or transfers of money into your account. Credits include cash or check deposits you make at the branch or ATM, automated clearing house, or ACH, credits such as automated payroll deposits, mobile check deposits and online banking or mobile transfers you make from another account.

Debits are withdrawals or transfers of money out of your account. Some examples of debits are writing a check, using your debit card to withdraw funds or make a purchase, or initiating an outgoing online transfer from your account. Debits and credits, which are collectively known as items, officially post to your account during evening processing. As a result, items don't always post in the order in which the transactions occurred.

Items post by transaction type or category. Within each transaction type, items post in sequential order for example, check number or dollar amount order lowest to highest.

Your account's current balance is the beginning-of-the-day balance after the prior evening's posting. The available balance is the amount you have in your account that's available for immediate withdrawal or to cover debit items. The available balance represents the difference between the current balance and pending items those items we have received but haven't posted. You're charged an insufficient funds fee NSF whenever you don't have enough money in your checking account to cover an expense and we have to decline the transaction or return the item unpaid.

If you're running low on checks, we've got you covered. Whether you need checks or accessories for your personal accounts, we offer a quick and simple online ordering process through our supplier, Harland Clarke. If your name or address has changed, or you haven't ordered checks in the past, please call us or visit your local branch to update your information or place your first order.

There are several ways to stop payment on a check, each with an associated fee. If you'd like to save money, try one of the two options below that have a lower stop-payment fee. If neither option above is convenient, you can also stop payment on a check by calling the Customer Care Center at FC DIRECT and speak with a banking representative or by visiting your local branch.

Explore our Career Center where you can browse our open job listings and learn what sets First Citizens apart. The disclosure of products and fees provides a complete list of prices and fees for First Citizens personal checking and savings accounts. Your available balance immediately reflects your ATM and debit card deductions. However, they won't appear in your transaction history until the next business day's postings.

You're charged an overdraft fee when you write a check or make a withdrawal for an amount that's more than the balance in your account, but we pay the transaction anyway. When we say basic overdraft coverage, we're referring to the default overdraft preferences set up when you opened your checking account. This excludes any added overdraft protection services such as savings or Checkline Reserve.

When you open a checking account, you're automatically opted-in for checks, other transactions made using your checking account number and automatic bill payments. This means that we may, at our discretion, authorize and pay overdrafts on these types of transactions. You can change your overdraft preferences for these types of transactions at any time. When you open a checking account, you're also required to opt in or out of basic overdraft service with ATM and debit card coverage.

This enhanced service adds coverage for ATM cash withdrawals and one-time debit card transactions. We don't authorize or pay overdrafts for these types of transactions unless you opt in to this service. If we don't authorize or pay an overdraft, your transaction will be declined.

Your decision to enroll in basic overdraft service with ATM and debit card coverage can be changed at any time. Keep in mind that any previous overdraft fees you've incurred will not be waived or reimbursed.

You can opt in to basic overdraft protection and add premium overdraft services like savings and Checkline Reserve. In fact, layering your overdraft protection has a number of benefits.

Not only are you more protected against balance instability and the surprise of declined transactions, you also set the order of priority for how your overdrafts are covered. For example, you can prioritize your overdraft coverage to draw from savings first, then Checkline Reserve.

Regardless of how you prioritize your protection, your basic overdraft service with ATM and debit card coverage will always be last. Overdraft protection, including basic overdraft service with ATM and debit card coverage, is set on an account-by-account basis. This means you decide how you'd like overdrafts to be handled for each account that you have. If you want overdraft protection on more than one bank account, then you must enroll each one. If you don't enroll in any overdraft protection services, we won't be able to authorize one-time debit card transactions or ATM cash withdrawals unless your account has sufficient funds to cover the amount.

If your account doesn't have sufficient funds, these transactions will be declined at the point of purchase. Overdraft protection is an account management tool designed to help you cover a transaction when you don't have sufficient funds in your checking account.

Eligible transactions may include checks, ATM withdrawals, debit card purchases, wires and electronic transfers. With overdraft protection, we'll cover a shortfall at our discretion so the transaction goes through successfully. An overdraft occurs when money is withdrawn from a bank account that doesn't have enough in its available balance to cover the transaction. If you have premium overdraft protection set up on your checking account, such as linking it to savings or Checkline Reserve, funds from these services may be used to cover an overdraft.

Additionally, overdrafts may be covered by our basic overdraft protection with ATM and debit card coverage. If you're unable to locate your debit card due to loss or theft, report it immediately by following these steps. Log in to Digital Banking , navigate to Manage Cards , select Report Card Lost or Stolen and complete the required information to request a replacement.

All you need to open an account online is an internet connection and a supported web browser. We use top-of-the-line security to protect your free checking account, including data encryption and multi-factor authentication.

You can also set up alerts to monitor your account balances, transactions and settings in real time. You can use Digital Banking to manage your free checking account online. Easily track your transactions, set up budgets, transfer money and make payments all in one convenient place.

Download the First Citizens mobile banking app to manage your account and deposit checks on the go. You can open a free checking account online with First Citizens, or by visiting your local branch.

We offer multiple ways to protect your free checking account from overdrafts. Go beyond basic overdraft protection by linking to a savings account or opening a Checkline Reserve. Learn more about your options for overdraft protection coverage. Your free checking account comes with a Visa debit card that makes everyday spending simpler, safer and quicker than carrying cash or checks. You can request a debit card by logging into Digital Banking.

A free checking account lets you safely and easily deposit and withdraw money for everyday purchases. You can use personal checks or a debit card to spend your money, buy groceries and gas, pay bills, and get cash from ATM s. The Together Card is a reloadable debit card for teenagers or other family members that's a safer alternative to a pre-paid debit card.

With Digital Banking, monitoring account activity is easy. Parents can use the Together Card to help teach responsible spending to their children, as well as for other purposes such as household budgeting.

You can access funds that are shown as available in your account. You'll need to provide the First Citizens routing number varies by state in which the account is opened and the deposit account number provided at account opening. If a merchant authorizes a transaction for an amount greater than the available balance in the account at that time, the transaction will generally be declined.

If this occurs, your account may be overdrawn, but you won't be charged an overdraft fee. A deposit must be made immediately to bring the account current. You can set up automatic deposits to any of our savings accounts.

You can use your debit or ATM card to make deposits, transfers and withdrawals up to the regulatory limit. It depends on your savings goals. You can see all of our traditional savings accounts in our savings account comparison chart. If you're looking to save money for college or prepare for retirement, check out our college savings account and retirement account comparison charts.

You can access your First Citizens credit card information online through Digital Banking. You can view your current account status and review 6 months' worth of transaction history. You can also access account information and view recent transactions in Mobile Banking.

If you see a suspicious charge, call then select the Report Fraud option. For your awareness, pending transactions do not have an impact on your current account balance because they have not been processed yet. Please continue to monitor your account and notify us immediately for any unauthorized posted transactions. When you pay your First Citizens credit card bill online from a First Citizens account, any payment funds transferred before 9 pm ET even on weekends and holidays are credited the same day.

Your updated account balance and availability of funds could take 2 business days. When you pay your First Citizens credit card bill online from a non-First Citizens checking or savings account, the payment will be requested within 24 hours after you submit the payment online.

Customer Service Representatives are available 7 days a week from 7 am to 11 pm ET. You may also access your account by logging into Digital Banking. There's no need to enroll. All protection is different. Based on your needs, you can determine if it makes sense to continue paying a monthly fee for your current protection, or cancel it and use the benefit offered through First Citizens.

You may be required to submit additional documents. The benefits administrator may choose to repair or replace your phone, or reimburse you for the current suggested retail price of a replacement cell phone of similar kind and quality. Reimbursement typically takes about 10 business days from the receipt and approval of the claim form and all the required documents.

This fee will post to your credit card account the same time the balance transfer is posted. Generally, you can expect a balance transfer to take up to 30 days, depending on the postal service and the other institution processing the payment.

During this time, continue to make at least the minimum payments on the account balances being transferred. You'll need the card issuer's name and address, your full digit card number, and the amount you'd like to transfer. Your balance transfer doesn't need to post within the day window. However, it must be initiated and submitted during the day window to qualify for the introductory rate.

A balance transfer can be used to pay down balances on any unsecured revolving credit cards and loans, except those with First Citizens or any of our affiliates. A credit card balance transfer is the process of transferring debt from one credit card to another.

Usually, people use balance transfers to save money by moving from a high-interest rate card to a low-interest rate card, or to streamline monthly payments. The new credit card may offer other benefits as well, such as a cash back or travel rewards program. These transactions are subject to approval, and we reserve the right to decline based on account status, available credit, credit history and other factors.

The cardholder can use it to make purchases anywhere Visa is accepted. Unlike store gift cards or gift certificates, the Visa Gift Card enables you to choose where you spend the money on your card.

You're not limited to just one store. You can use it at any store or online retailer that accepts Visa. To use it, you'll need to activate it on Visa's secure website. Using your Visa Gift Card signifies that you accept the cardholder agreement.

Even though your Visa Gift Card doesn't have your name on the front, you should still sign your name on the receipt when you make purchases. Make sure you sign the back of your card, so that retailers can validate your identity by comparing your signature on the receipt with the one on your Visa Gift Card. Your Visa Gift Card is a prepaid card and can only be used up to the amount on the card. However, for purchases that are higher than your Visa Gift Card balance, you can use it along with another form of payment.

If you attempt to make a purchase for more than the amount available on the card without another form of payment to pay the difference, the transaction will be declined. You can use your Visa Gift Card to make purchases online. First, you must activate your card on Visa's secure website. To activate your card, you'll need the Visa Gift Card account number and the CVV code 3 digits on the back of the card.

You'll be prompted to create a password and enter a valid address, as some retailers won't process your purchase without a valid address associated with the card.

You can only use your Visa Gift Card for retail or online purchases wherever Visa is accepted. You check the balance of your Visa Gift Card by going to Visa's secure website or calling If your card is lost or stolen, immediately contact Customer Service at to report it.

Your Visa Gift Card expiration date is embossed on the front of your card. You can use your card through the end of the month within the year it expires. You should use all the funds on the card before the expiration date.

Funds remaining on an expired card aren't refundable and may become unclaimed property turned over to the state in which you live. You can change your address or telephone number using Visa's secure website or by calling a Customer Service Representative at This is the portion of your home that you own.

Lenders typically set a maximum loan-to-value, or LTV , ratio limit for how much they will allow customers to borrow in a home equity loan or home equity line of credit. To calculate how much, you must know these three things:.

Simply multiply the home's value by the LTV and then subtract the outstanding mortgage amount. To qualify for a home loan, you'll need to complete an application with the following information:.

You should be able to access your home equity account normally within 3 business days after your closing. There are several options available to you as you near the end of draw period on your equity line. Interest you pay on a loan secured by your primary residence may be tax deductible.

You should always consult an accountant or tax advisor to determine if this applies. Choosing the right mortgage is just as important as choosing the right house. That's why we offer a variety of products, each with different features and advantages. Plus, our dedicated team of mortgage bankers is here to help you find the right loan for where you are in your life. When you apply for a mortgage loan, the lender will pull your credit score.

Your credit score measures your credit risk relative to the rest of consumers, based on your credit usage history.

Higher credit risk scores can mean lower rates and better loan terms. The lender will deposit part of your monthly mortgage payment into this escrow account. A mortgage loan payment is made up of two things—a payment toward the principal amount, and a payment toward the interest. Paying these two things off in equal installments over a set time period is called mortgage amortization. When you first start paying off your mortgage, most of the payment is applied to the interest.

Over time, your principal payments catch up until your loan is paid off. Fixed-rate mortgages offer simplicity and stability. With this type of loan, your principal and interest payments are guaranteed to remain the same for the duration of your loan, regardless of the number of years involved.

In addition, a fixed-rate mortgage allows you to use funds other than your own such as gifts, grants or a secured loan for the down payment and closing costs, including prepaid costs.

With an adjustable-rate mortgage ARM , the lower rates at the beginning of the term usually allow you to keep more cash on hand each month—cash that you can use for savings or other expenses. Plus, we monitor the mortgage industry to make sure you get the best terms available.

Locking in the best rate, early in the process, is the key to making an ARM work for you. Interest rate ceilings and specified adjustment dates over the life of the loan further protect you from fluctuating rates in unpredictable times. You'll just need to enroll in Online Bill Pay. You can also have your payments drafted each month from your checking or savings account. You can use a mortgage payment calculator to estimate your monthly payments on a fixed-rate mortgage. To use the calculator, you'll need to know the home's purchase price, annual property taxes and home insurance costs, and monthly HOA dues.

You'll also need to know how long your loan term will be and its interest rate. Although FHA home loans are primarily used by first-time homebuyers, it's not a requirement of the program. In fact, you can qualify for this type of loan even if you've gone through a foreclosure, as long as you wait the required amount of time and can demonstrate good credit.

The main thing to remember is that you can't purchase a vacation home or rental property with an FHA loan—rather, the house must be your primary residence. Mortgage rates fluctuate from day to day based on market conditions such as economic health, employment trends and inflation.

Once you lock in your mortgage rate, the fixed-rate mortgage will remain at that rate throughout the life of the loan and will not be subject to daily variations. Your interest rate on a fixed-rate mortgage also depends on a number of personal factors. Examples include your credit score and the loan-to-value ratio, which is impacted by your down payment. Terms for fixed-rate mortgages can range between 10 and 30 years.

The vast majority of homebuyers opt for a year fixed-rate mortgage, with the year term being the second-most popular choice. Interest rates for adjustable-rate mortgages depend on a number of factors. First, lenders look to a major mortgage index to determine the current market rate. Typically, an adjustable-rate mortgage will start with a teaser interest rate set below the market rate for a period of time, such as 3 or 5 years.

After that, the interest rate will be a combination of the current market rate and the loan's margin, which is a preset number that doesn't change. For example, if your margin is 2. Many adjustable-rate mortgages also include caps to limit how much the interest rate can change per adjustment period and over the life of the loan. First, only FHA -approved lenders can offer this type of loan.

This means you'll pay an upfront cost of 1. Depending on the terms of your loan, you may be making these payments for 11 years or for the life of the loan. The major difference between jumbo loans and conventional home loans is their size. Due to their larger size, jumbo loans are ineligible for Fannie Mae or Freddie Mac to purchase or guarantee, making them slightly riskier than conventional mortgages.

As a result, eligibility requirements are usually stricter for jumbo loans. Unlike most conventional mortgage loans, USDA home loans don't require a down payment.

There's also an annual premium that's divided by 12 and added to your monthly payment. VA home loans can offer a number of advantages compared to conventional mortgage loans. Depending on the lender, there may be no down payment required. Typically, these loans offer great interest rates and limited closing costs, saving borrowers thousands of dollars over the life of the loan.

Changes to your interest rate depend on the terms of your loan. Many adjustable-rate mortgages are adjusted yearly, but others may adjust monthly, quarterly, semi-annually, or once every 3 to 5 years.

Typically, the interest rate is fixed for an initial period of time before adjustment periods begin. To qualify for an FHA home loan, you'll need a down payment of 3. The FHA gives lenders specific guidelines to determine eligibility, and your lender can help you understand how they apply to you.

For example, you'll need to show a steady employment history for the past 2 years to qualify for an FHA home loan. To qualify for a jumbo loan, it helps to have excellent credit with a score above , as well as a low debt-to-income ratio, or DTI. Some lenders may ask for documentation showing you have enough cash on hand to cover the first 6 months or 1 year of mortgage payments.

To qualify for a USDA home loan, the house you're purchasing must be in an eligible rural area and your income needs to be below the eligibility cap for that area. Lenders will also consider your debt-to-income ratio, or DTI , and your credit score. Typically, this means you or your spouse meet one of the following eligibility requirements:. You may also need to satisfy a lender's income, debt and credit requirements to qualify for a VA home loan.

In certain places, including higher cost-of-living areas, the limit is higher. You can visit Fannie Mae to see this year's loan limits. To purchase a single-family home above the limit in your area, you'll need a jumbo loan. Homes purchased with USDA loans must be your primary residence, not a vacation or investment property. However, this doesn't mean you have to be a first-time homebuyer. Repeat buyers can also qualify for this unique mortgage program.

Although VA loans must be used to purchase a primary residence, this doesn't mean you have to be a first-time homebuyer. For example, if you've paid off your VA loan and sold the house, you can apply for another VA loan to purchase your next home. An adjustable-rate mortgage, or ARM, is a type of home loan that starts with a low interest rate—typically below the market rate—that may be adjusted periodically over the life of the loan.

As a result of these changes, your monthly payments may also go up or down. Some lenders call this a variable-rate mortgage. It's designed to help borrowers purchase a home with a lower down payment or lower credit score than typically required.

A fixed-rate mortgage is a home loan with an interest rate that stays the same throughout the entire term of the loan. This is in contrast to adjustable-rate mortgages , where the interest rate fluctuates based on market conditions.

They're primarily designed for purchasing luxury homes or homes in highly competitive housing markets. With great interest rates and no down payment necessary, USDA loans make homeownership more affordable to people in rural areas who might not qualify for conventional mortgage loans.

It's designed to help service members and veterans purchase a primary residence, offering several unique benefits that make homeownership more attainable and affordable for those who qualify. Fixed-rate mortgages are a good choice for borrowers who want to know what their monthly payment will be each month. The consistency and predictability make fixed-rate mortgages a popular choice for long-term property holders.

Most mortgages are originated and then sold to investors. If you've had a mortgage before, you're likely familiar with that standard process. The Money Saver Mortgage has shorter terms up to 15 years for a fixed rate and 30 years for an adjustable rate while traditional mortgages offer longer terms up to 30 years fixed and other features such as the ability to pay points for a lower interest rate. If a traditional mortgage better suits your needs, your branch banker will be happy to make a seamless referral to a mortgage banker with the First Citizens Mortgage Division who can help you.

The rate on an ARM is fixed for a specific amount of time and then can adjust annually. A balloon loan calculates payments amortized over the length of the loan, but at the end of a set term it can either be called due or renegotiated. Balloon loans aren't available within the Money Saver Mortgage suite. Buying down the rates is accomplished through prepaying interest in what's known as paying points.

This isn't available with a Money Saver Mortgage. With the Money Saver Mortgage, customers manage tax and insurance payments themselves. Escrow isn't available and isn't included in the monthly payments. Many customers set up a savings account with regular deposits to cover taxes and insurance when they're due.

The Money Saver Mortgage suite is only available for primary or secondary single-family residences 1 to 4 residential dwellings. Consult an accountant or a tax advisor to determine whether you can deduct the loan's interest on your tax return. The customer is responsible for all closing costs, which can include appraisals, title searches, recording fees, intangible tax, etc. A Money Saver Mortgage is a real estate secured loan that allows you to work with your local branch banker and often has lower upfront costs and a simpler and faster closing process.

The premium you pay is a direct reflection of your driving record for the past 3 to 5 years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets or accidents are more likely to have additional accidents than drivers with clean records.

In most cases, yes, as long as they have the permission or reasonable belief from the insured that they can use the vehicle. The insured is the person named on the vehicle insurance policy and their spouse, if applicable. There are some exclusions, so you would need to look at your particular insurance policy to make sure.

Remember, everyone in your household must be listed on your insurance policy if they have a license. For example, if a girlfriend you live with uses your car, she may not be covered if you didn't list her on your policy. On the other hand, if you live separately, she could use your car with your permission and be covered. Most auto insurance policies pay the actual cash value ACV of a vehicle totaled in an accident. The ACV is equal to the market value of an auto immediately before the accident.

Insurers must use a fair and reasonable method to determine the value of your car. If you have concerns about their decision, you may be able to negotiate with your insurer by telling them why your car may have had more value than what the auto insurance company originally determined.

In most cases, yes. Auto insurance policies require every licensed person in your household to be listed on your policy unless they have a completely separate car insurance policy of their own. This includes a teenager who just received their license or a college student who still uses your address as their residence or visits regularly on weekends or vacations. It's generally agreed among insurance professionals that the state minimum policy limits aren't enough.

This means:. The limits most appropriate for you will depend on a number of factors. Because in most areas medical treatment runs within a certain cost range, the limit for covering property damage is the one you may want to take into account. Remember, property damage is the value of the other person's car plus any other property damaged during the accident if you're at fault.

Sometimes the value of a car is less than the balance on your car loan. There can be several reasons for this. Interest rate changes may have increased the amount of your loan.

Rebates may not have been applied to the purchase price, or poor maintenance of the auto may have reduced its value. The insurance company bases its payments on the actual cash value ACV of the car, not the amount of your loan. In some states you may be able to purchase a special type of insurance, known as guaranteed auto protection GAP , when you buy a car. Collision coverage is when you have a collision with something like another car.

Comprehensive coverage is when it's anything else other than a collision—such as damage from road debris, fire or theft. Most people would have both coverages when using their car on a regular basis.

Sometimes when someone is just storing a car, they may only keep comprehensive coverage since they aren't using it on the road therefore, it's unlikely to be in a collision. Many companies won't insure you if you live with a relative who has a poor driving record. If your teenager has a poor driving record, you may have trouble getting a preferred rate because they're defined as an insured under your policy.

Some companies will exclude that person by name from the insurance policy. Many companies won't insure anyone in the family unless every driver in the household meets their requirements. Flood damage isn't covered by most homeowner policies.

We can provide a separate policy through the National Flood Insurance Program and beyond for additional coverage needs. Most homeowners insurance policies cover a wide range of items but often they don't cover everything one has.

This void in coverage is usually due to the policy owner assuming that every item they have will be covered. They fail to let the insurance agent know of specialty items and specialty coverage they may need or be interested in.

A homeowner can add extra coverage to their policy and should inquire with their insurance agent to do so. Some of the most common extra coverage is:. Most homeowner policies have dollar limits on certain types of belongings. Generally, these limits are on silverware, guns, jewelry, watches, furs and computers. The limits usually cover losses of the average person. Talk to your agent or insurance company about increasing these limits to meet your individual needs.

Generally, insurance policies exclude damage caused by seepage, dry rot or vermin animal pests. This is because these problems are usually the result of poor maintenance, not a sudden and accidental event.

When shopping for a homeowners insurance policy, you may not end up with the best coverage if you only shop by comparing prices and not by comparing coverage. Your home is one of the most important purchases you'll make. Take the time to understand your insurance before you purchase it.

It's one of the best decisions you make for yourself and your family. You'll need enough insurance to cover the cost to rebuild your home at current construction costs. This amount doesn't include the cost of the land and isn't related to the price you paid for your home, current market value, tax value or loan amount. The cost of rebuilding your home could be more or less than the price you paid or could sell it for today due to the change in construction costs.

We can assist you in determining how much it would cost to rebuild your home by completing a cost estimator. Replacement-cost coverage pays to replace your home and belongings with materials of like kind and quality at current prices.

Actual cash-value policies reimburse the depreciated value. Unlike human health insurance, pet insurance has no networks. Because it works based on a reimbursement method, you pay the vet directly, submit your claim and we pay you back. You can visit any veterinarian, specialist or emergency hospital you like.

Once you're signed up for pet insurance, we don't cancel coverage for anything other than non-payment of premium. You can downgrade your coverage at any time. Downgrading your coverage means anything that gives you less coverage. This could include lowering your annual maximum, lowering your reimbursement rate or increasing your deductible. You can also upgrade your coverage at any time.

However, your policy would be subject to re-underwriting which is basically like getting a brand new policy. You would have new waiting periods and any accident or illness that started before your upgrade date whether a claim was submitted and covered for it or not would be considered pre-existing.

The deductible is the amount that you're responsible for before reimbursements start. Like most other types of insurance, you're responsible for part of the cost. Our pet insurance deductible is annual which means you only have to meet your deductible once per policy term—not every vet visit, or once for every different type of condition, which is how some pet insurance companies operate. Healthy Pet Deductible is included with every pet insurance policy at no extra charge.

We'll automatically apply any Healthy Pet Deductible credits you've earned when you're eligible for reimbursement. Once you receive an accident or illness claim reimbursement greater than your current Healthy Pet Deductible credit, the Healthy Pet Deductible credit resets to zero for your next policy year. You can easily enroll in Digital Banking on our homepage by selecting the Enroll Now link located in the login box.

You'll need an active First Citizens account to get started. If you don't have an account, you can open one online, visit your local branch or give us a call. When logging in to Digital Banking for the first time, visit our homepage and select First Time Log In from the login box. Enter the login ID you selected when you opened your account, and follow the steps to receive and enter your one-time Secure Access Code.

If you'll be using the device regularly, we recommend selecting the option to Register Device to avoid entering a temporary Secure Access Code every time you log in. After you have logged in, select Profile and Preferences from the left navigation menu and then select Login Preferences.

From this page you can reset your login ID, password and secure delivery method the way you'll receive your one-time secure access code. If you can't log in, you'll have to call the Customer Care Center to have your secure login reset. Your session will time out when there's no activity between your browser and our website for a certain period of time. Clicking on buttons or following links creates activity between your browser and our website.

However typing into a field doesn't. If there's no activity for the specified timeout period, your Digital Banking session will end and you'll have to log back in. There are several reasons you may need to register a browser or device again. Your browser settings could be configured to delete cookies or and browser cookies for Digital Banking may have been removed.

You may use a browser plugin that automatically removes browser cookies when you close the browser.