First Citizens Bank is a financial institution that provides a wide range of services for both individual and business customers. These services include checking and savings accounts, credit cards, loans, mortgages, and insurance. The bank also offers retirement planning and investment options. A variety of expertise and insights are made available for clients, contributing to the course of making informed decisions.

One notable service offered by First Citizens Bank is high-yield Certificates of Deposit (CDs). Specifically, an 11-month CD with a 5.00% Annual Percentage Yield (APY), which indicates a profitable short-term investment opportunity. The bank provides calculators to help potential investors estimate their potential earnings from the CD.

For individuals looking to purchase or refinance a home, First Citizens Bank offers mortgages services. They also extend credit card services, providing an array of transaction convenience for customers. They cater loans with an easy application process for a variety of needs, including home improvement, where quick access to funds is crucial.

First Citizens Bank also caters to the needs of businesses of varying scales. Small businesses can benefit from the bank's deposit services, cash management, credit and financing options, and risk management services. Moreover, the bank offers employee benefits services, which can be important for businesses aiming to attract and retain quality employees.

Commercial businesses can benefit from First Citizens Banks' offerings as well. The varied solutions for commercial entities, coupled with the bank's expertise, can be instrumental in streamlining processes, managing and mitigating risk, as well as seizing growth opportunities.

The bank's acquisition of Silicon Valley Bridge Bank signifies its ability to scale and sustain business growth. Additionally, the institution provides wealth management services. This includes a wealth philosophy, various solutions, and expert insights into the market outlook.

In terms of navigating their system, First Citizens Bank has an online service platform. This feature makes banking tasks like account management and transactions more accessible and convenient for customers.

In conclusion, First Citizens Bank offers a comprehensive range of financial services for individual and business clients. Its wide array of services, coupled with its expertise and market insights, make it a notable option for those seeking financial assistance or growth. The bank continues to grow, maintaining its commitment to providing customers with reliable and high-quality banking services.