Bank routing number ยท Luverne, Alabama
First Citizens Bank Routing Number (ABA): 062103217
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The First Citizens Bank routing number is 062103217. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
First Citizens Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 14.30% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $402.6M
- Tier 1 leverage ratio, Q2 2026
- 14.30%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 5 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1980
Full financial profile · Is First Citizens Bank safe? · First Citizens Bank call report · Branch locations
First Citizens Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 062103217 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; First Citizens Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 06, place this number in the Federal Reserve Bank of Atlanta's district (District 6). Digits five through eight, 0321, identify the institution within that district. The last digit, 7, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to First Citizens Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your First Citizens Bank checks or in its online banking. Ask the bank for wire instructions (www.fcbl.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About First Citizens Bank
First Citizens Bank is headquartered in Luverne, Alabama and was established in 1980. It reported $402.6M in total assets and $344.1M in deposits for Q2 2026, the 37th largest of the 93 banks headquartered in Alabama. It reports 5 domestic offices. Its deposits have been FDIC insured since 1980. Its primary federal regulator is the FDIC.
What the digits in 062103217 mean
The first four digits, 0621, are the Federal Reserve routing symbol. The prefix 06 places the number in the 6th Federal Reserve District (Atlanta). That is also the district where the bank is headquartered. Digits five through eight, 0321, identify the institution within its Federal Reserve district. The last digit, 7, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 3 + 7 x 7 + 12 = 70, a multiple of 10, so 062103217 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the First Citizens Bank routing number?
The First Citizens Bank routing number is 062103217. It is the primary ABA routing transit number registered to First Citizens Bank, headquartered in Luverne, AL. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the First Citizens Bank wire routing number?
This page lists the primary routing number registered to First Citizens Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with First Citizens Bank before sending a wire.
Is ABA number 062103217 the routing number for First Citizens Bank?
Yes. It is the primary routing number registered to First Citizens Bank.
Which bank uses routing number 062103217?
It belongs to First Citizens Bank, headquartered in Luverne, AL. It is the bank's primary ABA routing number (FDIC certificate 23152).
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View First Citizens Bank's full profile →
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Regulator records: FDIC BankFind (cert 23152) · FFIEC NIC profile (RSSD 541231)