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Is First Citizens Mobile Banking Safe?

First Citizens Mobile Banking privacy label · by First Citizens Bank · checked November 2026

  • Tracks you
  • Recently updated
App Privacy label Developer-reported · checked November 1, 2026
Used to track you
2types
Linked to you
4types
Not linked to you
1type
Short answer

It depends on how you feel about tracking: First Citizens Mobile Banking declares data used to track you. The sensitive items are contacts. In total the label lists 5 data types; 17% of banking apps we checked declare tracking.

At a glance

First Citizens Mobile Banking privacy in one look

Data exposure on the label
Used to track you
  1. 1
  2. 2
  3. 3
  4. 4

Built only from the developer's App Store label. It describes disclosure, not tested behaviour.

Verdict from the label
Tracks you

First Citizens Mobile Banking's developer reports using identifiers, usage data to track you across other companies' apps and websites.

Try it

Did First Citizens Mobile Banking ask for something?

Pick the permission prompt you saw. We compare it with what First Citizens Mobile Banking's developer declared.

It asked me for access to…
Tap a prompt to compare it with the label.
Not on the label

Location is not on First Citizens Mobile Banking's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

Not on the label

User Content is not on First Citizens Mobile Banking's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

Matches the label

First Citizens Mobile Banking lists Contacts on its label, linked to you. Limited Access shares selected contacts instead of your whole address book.

Expected — and you can decline

First Citizens Mobile Banking declares data used to track you, so expect the “Allow to track?” prompt. Tap Ask App Not to Track; the app must keep working without it.

Not on the label

Health & Fitness is not on First Citizens Mobile Banking's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

A permission is what the app can reach on your iPhone; the label is what the developer says leaves it. They answer different questions.

Line by line

What First Citizens Mobile Banking collects, explained

Data typeWhat it coversWhere to limit it
ContactsSensitiveLinked to you The people in your address book or social graph. Settings › Privacy & Security › Contacts: choose Limited Access to share only selected people, or None.
Contact InfoLinked to you Your name, email address, phone number or postal address. Use Sign in with Apple with Hide My Email where offered, and check the app's account and marketing preferences.
IdentifiersUsed to track youLinked to you An account ID, screen name, customer number or a device-level ID such as the advertising identifier. Settings › Privacy & Security › Tracking: turn off Allow Apps to Request to Track, or tap Ask App Not to Track when prompted.
Usage DataUsed to track youLinked to you What you tap, open and view inside the app, plus which ads you have seen. There is no single iOS switch. Look for an analytics or personalised-ads toggle in the app's own settings.
DiagnosticsNot linked to you Crash logs, launch times, hang rates and energy use. Settings › Privacy & Security › Analytics & Improvements › Share With App Developers controls what Apple passes on; the app's own crash reporting is separate.
Reading the label

What First Citizens Mobile Banking's label means for you

First Citizens Mobile Banking's label has 2 types under “Data Used to Track You”, 4 types under “Data Linked to You”, 1 type under “Data Not Linked to You”. A data type can appear in more than one section when it is used for different purposes — for example, identifiers used for both analytics and advertising.

Tracking is the declaration that most separates apps. It means identifiers, usage data from First Citizens Mobile Banking can be combined with data from other companies to target or measure ads, or shared with data brokers. On iOS 14.5 and later, the app must ask your permission before tracking you through the advertising identifier; answering “Ask App Not to Track” blocks that identifier and tells the developer you have declined.

The items that deserve the most attention are contacts. Uploading contacts shares other people's details, not just yours.

Banking apps must collect identity and financial data to work; that is expected. Tracking declarations and third-party advertising SDKs are what to compare. Turn on the app's own biometric login and transaction alerts, and download banking apps only from the bank's own developer account.

Among the 196 banking apps in our snapshot with a label, 17% declare tracking, 91% collect data linked to you and 3% say they collect nothing. First Citizens Mobile Banking lists 5 data types, fewer than the average of 6.6 for this group.

Finance apps need identity and financial data to function. Expect Contact Info and Financial Info; compare apps on tracking and third-party advertising instead.

On your iPhone

Settings to check for First Citizens Mobile Banking

  1. 1

    Tracking

    Settings › Privacy & Security › Tracking. If “Allow Apps to Request to Track” is off, apps cannot ask, and they are told to treat you as having declined. You can also turn it off for this app alone.

  2. 2

    Contacts

    Settings › Privacy & Security › Contacts. Limited Access shares only the people you select instead of your whole address book.

  3. 3

    Sign-in

    When creating an account, Sign in with Apple can give the app a relay address from Hide My Email instead of your real one.

  4. 4

    Lock the app

    On iOS 18 and later, touch and hold the icon and choose Require Face ID. Anyone who picks up your unlocked phone then needs your face, fingerprint or passcode to open it.

  5. 5

    Notifications

    Settings › Notifications › First Citizens Mobile Banking › Show Previews: When Unlocked keeps message and account details off the Lock Screen.

Cross-app tracking

Does First Citizens Mobile Banking track you?

Yes — 2 data types

Identifiers and usage data. Apple defines tracking as linking data from this app with data from other companies' apps, websites or offline sources for targeted advertising or ad measurement, or sharing it with a data broker.

Does First Citizens Mobile Banking track you? Full answer and how to stop it →

iOS 18 and later

Lock First Citizens Mobile Banking behind Face ID

  1. Find First Citizens Mobile Banking on your Home Screen or in App Library.
  2. Touch and hold the icon until the quick-actions menu opens.
  3. Tap Require Face ID (or Require Touch ID / Require Passcode, depending on your iPhone).
  4. Tap Require Face ID again to confirm. First Citizens Mobile Banking now asks for authentication every time it opens.

The lock is an iPhone feature, so it works whether or not First Citizens Mobile Banking has a passcode of its own. It does not change what the app sends to its developer.

Lock or hide First Citizens Mobile Banking: step-by-step guide →

From the App Store record

About First Citizens Mobile Banking

DeveloperFirst Citizens Bank
App Store categoryFinance
Latest version4.0.260601, released July 2026
First releasedSeptember 2012
RequiresiOS 16.0 or later
Size48 MB
Age rating4+
Languages5 (EN, PT, ZH, ES, ZH)
Bundle IDcom.firstcitizens.mobiliti

The current version shipped in July 2026. That is recent enough that the label should reflect current practices, but check the App Store page again before relying on it.

Read with care

What the label cannot tell you

  • A label is self-reported. Apple publishes the developer's answers and can reject apps that misrepresent them, but it does not independently verify what First Citizens Mobile Banking sends.
  • It does not say where data is stored, how long it is kept, whether it is encrypted, or which companies receive it. The privacy policy covers those points.
  • Optional data counts: if a feature lets you add something (a profile photo, a phone number), the type is listed even if you never use the feature.
  • Data handled only on your iPhone is not 'collected', so a no-collection label is compatible with an app that reads your files locally.
  • Third-party sign-in, payment processors and SDKs are supposed to be included, but a label can lag behind a new version.

The question to ask First Citizens Mobile Banking's developer: Is this app published by my bank's verified developer account?

How it compares

First Citizens Mobile Banking vs similar banking apps

Data types listed on each App Store privacy label
Tracks youLinked to youNot linkedCollects nothing

Fewer types is not automatically safer: a cloud backup app has to collect your files to work. Compare like with like.

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All banking apps → Who tracks you? A–Z → Apps that collect contacts → Privacy label decoder →

Do it now

Your First Citizens Mobile Banking privacy checklist

Tick what you have done
Tick each step as you do it on your iPhone.

Done. You have applied every control the label points to.

Quick quiz

True or false?

  1. Q1First Citizens Mobile Banking's privacy label says it uses data to track you.
    Right.
    Not quite.

    True: it lists identifiers and usage data under Data Used to Track You.

  2. Q2Apple tests every app to confirm its privacy label is accurate.
    Right.
    Not quite.

    Labels are self-reported by developers. Apple can reject or remove apps that misrepresent practices, but it does not audit each label.

  3. Q3First Citizens Mobile Banking collects Contacts.
    Right.
    Not quite.

    True: Contacts appears on its label.

  4. Q4Data “Not Linked to You” is never sent off your iPhone.
    Right.
    Not quite.

    It is collected and sent; the developer says it is de-identified rather than tied to your account or device.

  5. Q5Tapping “Ask App Not to Track” can stop an app from working.
    Right.
    Not quite.

    Apple's rules require apps to work the same whether or not you allow tracking.

Questions people ask

First Citizens Mobile Banking privacy FAQ

Is First Citizens Mobile Banking safe to use?
Based on its App Store privacy label, first Citizens Mobile Banking's developer reports using identifiers, usage data to track you across other companies' apps and websites. Whether that is acceptable depends on what you will store in it. The label is developer-reported, not an independent security test.
Does First Citizens Mobile Banking track you?
Yes. Its label lists identifiers and usage data under Data Used to Track You. You can decline at the iOS tracking prompt.
What data does First Citizens Mobile Banking collect?
Contacts, contact info, identifiers, usage data and diagnostics. Of these, contacts, contact info, identifiers and usage data are linked to your identity.
Who makes First Citizens Mobile Banking?
First Citizens Bank, according to the App Store. It was first released in September 2012 and the current version is 4.0.260601.
Can I lock First Citizens Mobile Banking with Face ID?
On iOS 18 or later, touch and hold First Citizens Mobile Banking's icon and choose Require Face ID (or Touch ID / Passcode). This is an iPhone feature and works for most downloaded apps, whether or not the app has its own lock.
How does First Citizens Mobile Banking compare with other banking apps?
Across 196 banking apps with labels in our snapshot, 17% declare tracking and 3% say they collect no data. First Citizens Mobile Banking lists 5 data types against an average of 6.6.
Is this app published by my bank's verified developer account?
The privacy label cannot answer that. Look for it in First Citizens Mobile Banking's privacy policy or support pages, linked from the App Store listing. Turn on the app's own biometric login and transaction alerts, and download banking apps only from the bank's own developer account.
How do I delete my data from First Citizens Mobile Banking?
Apps that let you create an account must also let you start account deletion from inside the app (an App Store rule since June 2022). Deleting the app from your iPhone alone does not delete data already sent to the developer.
Facts on this page come from First Citizens Mobile Banking on the App Store, as reported by the developer. Checked 2026-11-01. How we collect data · Report a correction