Mobile Banking App

The mobile device required for this service must have a wireless data plan which supports web browsing functionality.

We do not charge to download or use the First Citizens Mobile app. However, you should contact your wireless service provider to verify if connectivity or usage rates apply.

Yes, you must be enrolled in First Citizens Online Banking to access account information and perform banking transactions through First Citizens Mobile app. If you’re not enrolled in Online Banking, from your computer simply click the “Sign Up” option, to request Online Banking.

Yes, and if you’re not enrolled in Online Banking, from your computer simply click the “Sign Up” option, to request Online Banking.

Once you are registered for Online Banking and enrolled for Mobile Banking, simply download the app from the relevant app store

Access to the First Citizens Mobile App will be blocked after the third invalid login attempt. If you are unable to remember your password after the second invalid login, we recommend you access the First Citizens Online Banking login page, then click the “forgot your password option” to avoid being locked out. If your account becomes locked contact 62-FIRST to reset your password.

Yes, your First Citizens Mobile App session will time out after 5 minutes of inactivity. To avoid timing out, please ensure you are active in the session after you have logged in.

All of the accounts selected upon registration are accessible.

The default account is selected during the enrollment process. The default account is automatically selected when the BAL or LAST text command is used alone without specifying an account nickname.

Using your First Citizens Mobile App you can:

• Easily pay bills from the tap of an app.
• View real-time credit card balances.
• Pay your credit card from your existing accounts.
• Set up and facilitate payments to payees at other Financial Institutions
• View real-time Account Balances and recent account activity.
• Transfer funds between eligible accounts, setup scheduled transfers and view transaction history.
• Find the nearest Branch or ATM nearest you.
• Get assistance through our support portal.

The First Citizens Mobile App is available for download in the Apple Store and Google Play Store.

You will only need to download the First Mobile App once, however, we’ll periodically release updates as we improve the app. Please refer to your app notifications for updates.

First Citizens is very concerned with the safety and privacy of your information and committed to security. To ensure the security of your account information, a number of security features have been built into First Citizens Mobile App:

Registration Process: A unique verification code is used to verify your mobile device phone number. This code associates your mobile phone number with your account and confirms that your mobile phone number is successfully recorded in the system

No personal Information: The First Citizens Mobile Banking Service, at no time requests that you provide any personal information e.g. full account number, email or personal address, nor do we send any such information to you via the service.

No, for your security, we require you to use your Online Banking User ID and Password to access the First Citizens Mobile App

Multi-factor Authentication is an additional layer of security. When you first attempt to log in using the First Citizens Mobile App, you will be prompted to sign up to Mobile Banking within the Online Banking service which will allow you to configure MFA code. Upon successful verification, you can now sign into the First Citizens Mobile App.

You should always use the log out button to close off your session after using the First Citizens Mobile Banking App. For your security, even if you don’t log off, your session will time out after five (5) minutes of inactivity. After this anyone using your mobile device must enter your Personal First Citizens Online Banking User ID and Password to access your account information. This information should be known only by you and must not be shared with anyone.

If your mobile device is lost or stolen, no one can access your account information without your Online Banking User ID & Password? We also recommend that you not store your User ID and Password on your device. You should also consider contacting your wireless service provider to have your device deactivated.

Other apps on your mobile device cannot access information from the First Citizens Mobile App. Mobile Apps are independent of one another. This means the data contained in one app is not visible to any other app on your device.

Malware and viruses are potential threats to any computer system, including mobile devices. In order to protect your mobile device from malware and viruses, you should follow some precautionary steps:

• Always keep apps on your device up to date, as the publisher might have found a vulnerability and updated the app to fix it.
• Use only the recommended app stores (Apple and Google) to download new apps and only download the apps that come from well-known publishers and have high review scores.
• Avoid rooting your phone which manipulates your device operating system and may make it more vulnerable to malware and viruses.
• As a good security practice, we strongly recommend that you change passwords regularly, consistently update your antivirus software and be careful when connecting to WiFi networks. Fraudsters are capitalizing on these vulnerabilities to steel user’s online credentials.

Conceptually, phishing is the same on a mobile device as it is on your computer. A fraudster uses a fake website to capture your personal information. Always verify the entire URL before entering your personal information on any website.

Should you receive any suspicious links, sites or emails please call 62-FIRST or email 

FCB-E-BANK@firstcitizenstt.com or channelsupport@firstcitizenstt.com
To be safe make sure the lock icon appears next to the browser address and that the address begins with “https”. The “s” indicates that you have a secure connection. First Citizens never uses “http” for any customer interaction.

A spoof is an app created to look like the official First Citizens Mobile App. This is similar to phishing, but it’s performed through an app instead of a website. To avoid downloading a spoof app, always use the recommended app stores (Apple and Google) to download or update the First Citizens Mobile App and confirm that First Citizens is the publisher.

Receive notifications/alerts via Short Message Service (SMS) or email for the following transactions:

• Salary and regular deposits (based on transaction amount threshold)
• Cheques cleared (cheque number/transaction amount)
• Balance exceeds specified minimum/maximum thresholds
• Overdraft
• Number of ATM transactions per day (as defined by customer)
• Number of Point of Sale transactions per day (as defined by customer)
• Loan payment due
• Withdrawals (based on transaction amount threshold)
• Transfers of TT $500 and over
• Password Change

A Mobile Alert is a notification you will receive via email or Short Message Service (SMS) that can help you keep track of your money into and out of your accounts.

To set up your Mobile Alerts, simply login to Online Banking and follow the steps below:

• Select the Mobile Banking tab located in green at the top right side of the page to access your First Citizens Mobile & SMS Banking Preference Centre
• Click the menu icon, then select Manage Alerts from the green vertical bar located on the left of the screen
• Select the Alert and your eligible accounts would appear on the right
• Select the account of choice, and the Alert Details page will be displayed
• Enter your Alert preferences and select your preferred channel(s) to receive your Alerts
• Click Add to save changes
• Return to the menu icon, then click on the SMS & ALERTS icon from the green vertical bar located on the left of the screen to confirm that your preferred channels are enabled

You will receive your Mobile Alerts via SMS and/or email to the mobile number and/or email address used when you opened your account. Update your information via the First Citizens Mobile & SMS Banking Preference Centre in Online Banking, if you would like to use a different address.

To update your mobile number or email address, simply login to Online Banking and follow these steps:

• Select the Mobile Banking tab located in green on the top right side of the page to access the First Citizens Mobile & SMS Banking Preference Centre
• Click the menu icon located on the green vertical bar located on the left of the screen
• Click on the My Contact icon; your current information will display
• Select the contact information which you would like to update
• Based on your selection, you will be given the option to Manage Email Address or Manage Mobile
• Scroll down and click the Edit button
• Input your updated contact information and click Proceed
• You will receive a One Time Password (OTP) via SMS, enter your SMS OTP and click Update
• You will then receive a OTP via email, enter your email OTP and click Update
• You’re all set!

Mobile Alerts are free to you as our customer. However, Alerts received via SMS are subject to charges from your mobile provider.

Yes, you can select the accounts on which you would like to receive Mobile Alerts.

All registered parties on the account(s) will receive Mobile Alerts.

You can receive Mobile Alerts via SMS or Email for the following transactions once you are successfully registered:

• Notification when certain cheques clear (cheque number/transaction amount)
• Notification when balance exceeds specified minimum/maximum thresholds
• Notification when salary deposits are made based on transaction amount threshold
• Notification when regular deposits are made based on transaction amount threshold
• Overdraft alert
• Number of ATM transactions per day as defined by you
• Number of Point of Sale transactions per day as defined by you
• Loan payment due today
• Notification when withdrawals are made based on transaction amount threshold
• Notification for transfers TTD500 and over
• Password Change

If you want to query a transaction, please send a secure message via First Citizens Online Banking to query your transaction.

• To change your Alerts, simply login to Online Banking and follow these steps: Select the Mobile Banking tab located in green on the top right side of the page to access the First Citizens Mobile & SMS Banking Preference Centre
• Click the menu icon, then select Manage Alerts from the green vertical bar located on the left of the screen
• Select the Alert and your eligible accounts would appear on the right
• Select the account of choice, then scroll and the Alert Details page will be displayed
• On the Alerts Details page, scroll down and select EDIT
• Enter your desired changes, click Ok to save changes

Simply log in to Online Banking and follow these steps:

• Select the Mobile Banking tab located in green on the top right side of the page to access the First Citizens Mobile & SMS Banking Preference Centre
• Click on the SMS & ALERTS icon from the green vertical bar located on the left of the screen and enable your preferred channel.

Tip: Double-check that your registered email address and mobile number(s) are correct

If you wish to stop receiving SMS Alerts, text STOP to 34778 (FIRST) or login to Online Banking to disable any of your Alerts (email and/or SMS) by following these steps:

• Select the Mobile Banking tab located in green on the top right side of the page to access the First Citizens Mobile & SMS Banking Preference Centre
• Click the menu icon, then select SMS & ALERTS from the green vertical bar located on the left of the screen
• On the SMS & ALERTS page, click the green button marked Edit
• On the Edit SMS & Alerts page, under the channel of choice, select the green slider to disable and then click Update

If your phone is not internet-enabled, you can still access SMS Banking. You can click here for more information.