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Security report for firstcitizens.com

First Citizens Bank · Finance · United States

Low risk. 2 critical or high findings in SSL/TLS.

Security score

83/100

Risk levelLow

0–100, higher is better. How it is calculated

First Citizens Bank is a well-established North Carolina state-chartered commercial bank with a long history dating back to 1898. It operates as a wholly-owned subsidiary of First Citizens BancShares, Inc., a NASDAQ-listed financial holding company with assets exceeding $50 billion. The bank offers a comprehensive range of personal banking services including checking, savings, credit cards, loans, mortgages, and investment products, targeting personal banking customers primarily in the United States. The website reflects a mature and professional digital presence with clear branding and consistent messaging aligned with its business model and market position. Technically, the website leverages Adobe Experience Manager as its CMS platform, integrates modern marketing and analytics tools such as Google Tag Manager and Facebook Pixel, and employs a robust cookie consent mechanism via OneTrust, indicating a strong commitment to privacy compliance. Hosting appears to be supported by Akamai CDN services, contributing to moderate performance and good mobile optimization. Accessibility and SEO practices are well implemented, enhancing user experience and search engine visibility. From a security perspective, the site enforces HTTPS with modern TLS protocols and includes essential security headers such as Content Security Policy and Strict-Transport-Security. No critical vulnerabilities or exposed sensitive data were detected. However, the absence of a published security policy or incident response contact details suggests room for improvement in transparency and readiness. The missing WHOIS data for the domain is a notable anomaly but does not detract significantly from the overall trustworthiness given the strong corporate identity and regulatory compliance signals. Overall, First Citizens Bank's website demonstrates a high level of professionalism, security, and compliance suitable for a large financial institution. Strategic recommendations include enhancing incident…

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 100 · Low
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

2 findings rated critical or high. Fix these first.

  1. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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Keep watching firstcitizens.com

This scan found 12 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
62
Security headers
75
Email security
85
DNS health
90
Network security
100
GDPR outside view
88
Average
83

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Brand lookalikes

Add-on

Domains that imitate firstcitizens.com and could be used for phishing or spoofed email, tracked in OffSeq Breach.

Tracked
36
Registered
36
Resolving
36
High or critical
0

Last checked 2026-07-19

Masked preview

  • fi•••••••••••.comMediumhomoglyph
  • fr••••••••••.comMediumomission
  • fi••••••••••.comMediumomission

See the full lookalike list

A one-off add-on that lists up to 20 of the highest-risk lookalikes of firstcitizens.com with registration, mail-server, certificate and DNS signals.

Select it in the checkout above.

Lookalike data refreshes continuously. Monitoring on Breach alerts you when a variant is registered, gains a mail server or starts serving HTTPS.

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Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

First Citizens Bank holds a strong market position as a large regional bank with over $50 billion in assets, serving personal banking customers across the United States. Its business model focuses on traditional banking services supplemented by digital banking capabilities and innovation banking subsidiaries. The bank benefits from its NASDAQ-listed parent company status, which provides financial stability and investor confidence. The presence of subsidiaries such as Silicon Valley Bank and First Citizens Innovation Banking indicates strategic diversification and expansion into niche markets. The website's comprehensive service offerings, clear navigation, and consistent branding support customer acquisition and retention. Partnerships with technology providers and use of advanced marketing tools reflect a forward-looking approach to customer engagement and digital transformation.

Security posture

The website exhibits a mature security posture with enforced HTTPS, modern TLS versions, and implementation of key security headers including Content Security Policy, X-Frame-Options, and Strict-Transport-Security. The use of a consent management platform (OneTrust) aligns with privacy regulations such as GDPR. No exposed sensitive data or vulnerable libraries were identified in the analysis. However, the lack of a publicly accessible security policy or incident response contact information limits transparency and may hinder rapid response to security incidents. The absence of a security.txt file or vulnerability disclosure program suggests an opportunity to formalize security communication channels. Overall, the security measures are robust for a financial institution, but enhancing incident response visibility and formal disclosure mechanisms would improve the security culture and stakeholder trust.

Recommendations

  1. Publish a clear security policy and incident response contact information on the website.
  2. Implement and publicize a vulnerability disclosure program, including a security.txt file.
  3. Regularly audit and update third-party scripts and libraries to mitigate potential vulnerabilities.
  4. Ensure all web forms include anti-CSRF tokens and input validation to prevent injection attacks.
  5. Enhance transparency around data retention policies and user privacy practices.

Contact details published on the site

Addresses
Legal name
First-Citizens Bank & Trust Company
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
First Citizens Bank
Description
First-Citizens Bank & Trust Company is a North Carolina state-chartered commercial bank headquartered in Raleigh, North Carolina. It is a wholly-owned subsidiary of First Citizens BancShares, Inc. (NASDAQ: FCNCA/FCNCB), a Delaware financial holding company that has grown to more than $50 billion in assets, also headquartered in Raleigh.
Key services
Checking accounts, Savings accounts, Credit cards, Loans, Mortgages, Investing
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Experience Manager, Google Tag Manager, Adobe Launch, Adobe Acrobat Services Viewer SDK, OneTrust Cookie Consent, Facebook Pixel
Frameworks
Adobe Experience Manager
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of modern TLS (TLS 1.3)
  • Content Security Policy implemented
  • Cookie consent mechanism present

Analytics and tracking

Services
Google Analytics (via Google Tag Manager)
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel
Marketing tools
Adobe Launch
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and navigation.
  2. No WAF or blocking mechanisms detected.
  3. Strong use of modern web technologies and compliance tools.
  4. Clear branding and consistent corporate identity.
  5. No suspicious or malicious content detected.
  6. WHOIS data missing, which reduces domain trust slightly.
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS platform, supporting complex content management and digital marketing needs. Integration with Google Tag Manager and Adobe Launch facilitates flexible analytics and tag management. The use of Akamai CDN and modern JavaScript libraries contributes to moderate performance and good mobile responsiveness. Accessibility features such as skip navigation links and ARIA attributes are present, improving usability for assistive technologies. SEO optimization is evident through proper meta tags, canonical links, and structured data (JSON-LD). The technical infrastructure is modern and well-maintained, though continuous monitoring and optimization could further improve load times and user experience.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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