Transfer Funds: Transfer funds between your First Citizens accounts or accounts at other financial institutions Zelle: Send money to almost anyone you know (e.g., a family member, friend or someone you trust) with just an email address or US mobile phone number Bill Pay: Pay your bills to service providers outside of First Citizens, such as utilities or credit cards Pay Loan or Credit Card: The fastest way to make a payment to your First Citizens loan or credit card account Pay Bank Customer: Transfer funds to a First Citizens customer who has an active Digital Banking account