Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
On XX/XX/year> prior to making a cash deposit into my checking account ( s ), my account ( s ) WERE overdrawn. I made a CASH deposit which brought my account ( s ) to a positive balance. After making said deposit and Before leaving the branch I checked the balance in BOTH of my checking accounts and it was INDEED a positive balance in BOTH ACCOUNTS. That night at XXXX XXXX I checked my balance in BOTH ACCOUNTS and there was STILL a positive balance in both. The next morning I checked my balance ( s ) and They STILL HAD POSITIVE BALANCES but the bank assessed an NSF fee in BOTH ACCOUNTS! I have the statements and I have the screen shots to prove this! This has happened MANY MANY TIMES. My accounts HAVE BEEN overdrawn many times and I STRONGLY BELIEVE that the reason for that is the bank pulling these stunts! I have also made a deposit during the day and then at night I have used my debit card and after midnight, they take the debit first before adding the deposit in which sometimes makes my accounts overdrawn for example, if you make a deposit at lunchtime and then you use your card at XXXX XXXX that night they will give you an NSF fee after midnight because they dont log the deposit until after they take their money out if that makes sense. And I have been told that by the bank multiple times. One instance roughly 3 months ago I made a deposit with two checks made out to me from the same company that I did a job for one was for {$300.00} and one was for roughly {$3000.00} and they let the {$300.00} check post and they held the {$3000.00} check for seven days and I incurred enough NSF fees to pretty much eat up half of that {$3000.00} check and the branch told me themselves that they basically have the Liberty to decide if they want to hold the check or not, and they decided to hold the check that they were starting to strictly enforce policies that were directed toward habitually overdrawn accounts from select customers that they normally have not enforced and that is the honest truth as to what I was told. I have asked many times, Why am I getting a fee for this and why am I getting a fee for that speaking of NSF fees and they say it is because of something sitting in pending versus something having an available balance versus something having a current balance, and if you add up all of the NSF fees that I have had, I have almost went out of business because a lot of these fees I do not believe are legitimate and it has cost me {$36.00} in one account every time I would use my card because I could not get ahead because of their fees and then in my personal account it charged me {$25.00} per fee and I could not get ahead because they kept tacking on these fees, and some of the reason that they tacked them on, made no sense. Which also leads to the question as to why was it a couple of years ago that they reimbursed me roughly {$1100.00} into my business account from bogus NSF fees and I think it was XXXX something dollars in my personal account for bogus NSF fees from a lawsuit I think that they said that they incurred or something to that effect? I just really need to know why am I getting charged fees at the time that I didnt deserve a fee, which has not always been the case, but I truly believe a lot of times IS the case.

Company response to consumer: Closed with explanation