First Citizens Bank


Founded in 1898, First Citizens Bank is one of the nation’s strongest and most stable financial institutions, providing a broad range of banking services at more than 500 locations in 19 states.

At First Citizens, customers benefit from a high level of personal service and our integrated approach to helping people and businesses achieve their financial goals. After all these years, we remain committed to the values and principles that have allowed us – and our customers – to prosper.

Our steadfast commitment to building lasting relationships has made us one of the country’s leading financial institutions for both consumer and commercial customers. This long-term approach along with our competitive product offerings in areas such as business, commercial, institutional banking, wealth management1 and insurance1 services are why customers have trusted us with their financial well-being for well over one hundred years.

First Citizens Bank offers a comprehensive array of specialized services that complement and go beyond our traditional banking products and services. As a First Citizens customer, you have access to these services through a single point of contact, your dedicated relationship manager – Ramy Elawar – Vice President – San Felipe Branch in Houston, TX.

Services we provide

Business & Treasury Services • ACH Processing • Fraud Prevention • Information Reporting • Payroll Card • Tax Payments • Wire Initiation International Services Online Banking Visa® Business Debit Card All-Day Banking

Merchant Services • Point-of-Sale • Online Services • Remote Image Deposit • Streamlined check deposits • Lockbox Processing Accelerate collection for large-volume accounts receivable

Business Loans • Small Business Administration (SBA) Loans • Business Visa Credit Cards • Equipment Financing and Leasing