First Citizens BancShares

aid: first-citizens-bancshares
name: First Citizens BancShares
kind: company
description: First Citizens BancShares is a super-regional financial holding company (parent of First-Citizens Bank & Trust)
  providing general banking, trust, investment, insurance, and asset-management services to individuals, businesses, and professionals.
  Its programmable surface runs through Silicon Valley Bank (SVB) — acquired in 2023 and now a division of First Citizens
  — whose Apigee-backed developer portal at developer.svb.com publishes a family of commercial banking REST APIs covering
  authorization, account balance, transfers, ACH, instant payments, wires, stop payment, virtual cards, webhooks, and reference/reachability.
  Access is partner-gated (commercial onboarding); consumer account data is reachable via the Plaid aggregator.
type: Index
accessModel:
  pricing: unknown
  onboarding: partner
  trial: false
  try_now: false
  public: false
  label: Partner-gated · Commercial onboarding
  confidence: medium
  source:
  - authentication
  - apis
  generated: '2026-07-23'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/first-citizens-bancshares.png
access: 3rd-Party
created: '2025-03-01'
modified: '2026-07-23'
position: Consumer
tags:
- Banking
- Financial Services
- Commercial Banking
- Payments
- ACH
- Wire Transfers
- Virtual Cards
- Open Banking
- Trust
- Investment
- Insurance
- United States
- Super Regional
url: https://raw.githubusercontent.com/api-evangelist/first-citizens-bancshares/refs/heads/main/apis.yml
specificationVersion: '0.19'
apis:
- aid: first-citizens-bancshares:svb-authorization-api
  name: SVB Authorization API
  description: The Authorization API issues OAuth2 access tokens for the SVB commercial banking platform (now part of First
    Citizens). Partners exchange client credentials at /v1/security/oauth/token for a bearer token, then sign request payloads
    with a JSON Web Signature (JWS) using their registered keys. This API is the entry point for every other commercial banking
    product on the portal and defines the OAuth2 client-credentials plus request-signing security model used across the platform.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/authorization-api/1.0/authorization
  baseURL: https://api.svb.com
  tags:
  - Authentication
  - OAuth2
  - Security
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/authorization-api/1.0/authorization
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/authorization-api/1.0/authorization-api?path=/v1/security/oauth/token
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/authorization-api/1.0/json-web-signature-jws
- aid: first-citizens-bancshares:svb-account-balance-api
  name: SVB Account Balance API
  description: The Account Balance API returns current and available balance information for SVB commercial deposit accounts.
    Clients query /v1/accounts/balances to retrieve real-time balance positions for cash management, treasury reporting, and
    reconciliation workflows. It is part of the SVB commercial banking API family operated under First Citizens BancShares
    and secured with the platform's OAuth2 plus JWS model.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/account-balance/1.0/account-balance-overview
  baseURL: https://api.svb.com
  tags:
  - Accounts
  - Balances
  - Treasury
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/account-balance/1.0/account-balance-overview
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/account-balance/1.0/account-balance?path=/v1/accounts/balances
- aid: first-citizens-bancshares:svb-account-transfer-api
  name: SVB Account Transfer API
  description: The Account Transfer API moves funds between a client's own SVB accounts. Partners create transfers at /v1/payment/account-transfers
    and retrieve transfer status by id, enabling internal book transfers and automated cash concentration. It is part of the
    SVB commercial banking API family under First Citizens BancShares, secured with OAuth2 and JWS request signing.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/account-transfer/1.0/account-transfer-overview
  baseURL: https://api.svb.com
  tags:
  - Payments
  - Transfers
  - Treasury
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/account-transfer/1.0/account-transfer-overview
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/account-transfer/1.0/account-transfer?path=/v1/payment/account-transfers
- aid: first-citizens-bancshares:svb-ach-transfers-api
  name: SVB ACH Transfers API
  description: The ACH Transfers API (v2.1) originates domestic ACH credits and debits, verified ACH transfers, and IAT (International
    ACH Transaction) domestic entries. It exposes /v2/transfer/domestic-achs, /v2/transfer/domestic-verified-achs, and /v2/transfer/iat-domestic-achs
    with create, retrieve, and patch operations, and integrates Plaid-powered instant account verification. Part of the SVB
    commercial banking family under First Citizens BancShares, it ships a v2 migration guide and detailed error catalog.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/ach-transfers/2.1/ach-overview
  baseURL: https://api.svb.com
  tags:
  - Payments
  - ACH
  - Transfers
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/ach-transfers/2.1/ach-overview
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/ach-transfers/2.1/ach-transfers?path=/v2/transfer/domestic-achs
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/ach-transfers/2.1/ach-transfers-v2-migration-guide
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/ach-transfers/2.1/instant-account-verification-v2-plaid-integration
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/ach-transfers/2.1/ach-errors
- aid: first-citizens-bancshares:svb-instant-payments-api
  name: SVB Instant Payments API
  description: The Instant Payments API sends and tracks real-time payments over U.S. instant rails. Partners create payments
    at /v1/payment/instant-payments and retrieve payment status by id for immediate, irrevocable settlement use cases such
    as disbursements and just-in-time funding. It is part of the SVB commercial banking API family under First Citizens BancShares
    and includes a dedicated error reference.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/instant-payments/1.0/instant-payments-overview
  baseURL: https://api.svb.com
  tags:
  - Payments
  - Real Time Payments
  - Instant Payments
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/instant-payments/1.0/instant-payments-overview
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/instant-payments/1.0/instant-payments?path=/v1/payment/instant-payments
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/instant-payments/1.0/instant-payments-errors
- aid: first-citizens-bancshares:svb-wires-api
  name: SVB Wires API
  description: The Wires API (v2.1) initiates and manages domestic and international wire transfers. Partners create wires
    at /v2/payment/wires, retrieve wire status by id, and cancel pending wires, supporting high-value, time-critical treasury
    payment flows. It is part of the SVB commercial banking API family under First Citizens BancShares, secured with OAuth2
    and JWS, and ships a wire-specific error catalog.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/wires-api/2.1/wires-overview
  baseURL: https://api.svb.com
  tags:
  - Payments
  - Wire Transfers
  - Treasury
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/wires-api/2.1/wires-overview
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/wires-api/2.1/wires-api?path=/v2/payment/wires
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/wires-api/2.1/wires-errors
- aid: first-citizens-bancshares:svb-stop-payment-api
  name: SVB Stop Payment API
  description: The Stop Payment API places and inspects stop-payment orders on checks drawn against SVB commercial accounts.
    Partners create stop requests at /v1/payment/stop-checks and retrieve stop status by id to prevent specific checks from
    clearing. It is part of the SVB commercial banking API family operated under First Citizens BancShares and secured with
    the platform's OAuth2 plus JWS model.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/stop-payment/1.0/stop-payment-overview
  baseURL: https://api.svb.com
  tags:
  - Payments
  - Checks
  - Risk
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/stop-payment/1.0/stop-payment-overview
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/stop-payment/1.0/stop-payment?path=/v1/payment/stop-checks
- aid: first-citizens-bancshares:svb-virtual-cards-api
  name: SVB Virtual Cards API
  description: The Virtual Cards API (v2.0) issues and manages virtual card numbers (VCN) for accounts-payable, procurement,
    and travel spend. It exposes /v2/card/virtualcards plus authorizations, clearings, real-cards, suppliers, and templates
    resources, letting partners create single-use or controlled-spend cards and reconcile card activity programmatically.
    Part of the SVB commercial banking API family under First Citizens BancShares.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/virtual-cards/2.0/virtual-cards-vcn-overview
  baseURL: https://api.svb.com
  tags:
  - Cards
  - Virtual Cards
  - Payments
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/virtual-cards/2.0/virtual-cards-vcn-overview
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/virtual-cards/2.0/virtual-cards?path=/v2/card/virtualcards
- aid: first-citizens-bancshares:svb-webhook-api
  name: SVB Webhook API
  description: The Webhook API (v2.0) delivers asynchronous event notifications for payment and account activity. Partners
    manage event-types, events, publishers, and subscriptions under /v2/event/*, creating subscriptions and firing test deliveries
    so integrations react to state changes without polling. It is part of the SVB commercial banking API family under First
    Citizens BancShares.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/webhook-api/2.0/webhooks-overview
  baseURL: https://api.svb.com
  tags:
  - Webhooks
  - Events
  - Notifications
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/webhook-api/2.0/webhooks-overview
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/webhook-api/2.0/webhook-api?path=/v2/event/subscriptions
- aid: first-citizens-bancshares:svb-reference-api
  name: SVB Reference API
  description: The Reference API provides look-up and reachability data supporting the payment products. It exposes /v1/reference/reachability/instant-payments/{creditor_agent_id}
    so partners can verify whether a receiving financial institution can accept instant payments before origination. It is
    part of the SVB commercial banking API family under First Citizens BancShares and secured with OAuth2 and JWS.
  humanURL: https://developer.svb.com/apis/commercial-banking-apis/reference-api/1.0/reference-overview
  baseURL: https://api.svb.com
  tags:
  - Reference Data
  - Reachability
  - Payments
  - Commercial Banking
  - United States
  properties:
  - type: Documentation
    url: https://developer.svb.com/apis/commercial-banking-apis/reference-api/1.0/reference-overview
  - type: APIReference
    url: https://developer.svb.com/apis/commercial-banking-apis/reference-api/1.0/reference-api?path=/v1/reference/reachability/instant-payments/%7Bcreditor_agent_id%7D
common:
- type: VulnerabilityDisclosure
  url: security/first-citizens-bancshares-vulnerability-disclosure.yml
- type: Security
  url: https://firstcitizensbank.responsibledisclosure.com
- type: DomainSecurity
  url: security/first-citizens-bancshares-domain-security.yml
- type: Authentication
  url: authentication/first-citizens-bancshares-authentication.yml
- type: Webhooks
  url: asyncapi/first-citizens-bancshares-webhooks.yml
- type: Lifecycle
  url: lifecycle/first-citizens-bancshares-lifecycle.yml
- type: Deprecation
  url: https://developer.svb.com/apis/commercial-banking-apis/ach-transfers/2.1/ach-transfers-v2-migration-guide
- type: Sandbox
  url: sandbox/first-citizens-bancshares-sandbox.yml
- type: Conventions
  url: conventions/first-citizens-bancshares-conventions.yml
- type: Conformance
  url: conformance/first-citizens-bancshares-conformance.yml
- type: WellKnown
  url: well-known/first-citizens-bancshares-well-known.yml
- type: SecurityTxt
  url: well-known/first-citizens-bancshares-security.txt
- type: LLMsTxt
  url: llms/first-citizens-bancshares-llms.txt
- type: Website
  url: https://www.firstcitizens.com
- type: DeveloperPortal
  url: https://developer.svb.com
- type: Documentation
  url: https://developer.svb.com/apis/docs-home
- type: GitHubOrganization
  url: https://github.com/svb
- type: LinkedIn
  url: https://www.linkedin.com/company/first-citizens-bank
- type: Support
  url: https://developer.svb.com/contact
- type: TermsOfService
  url: https://www.firstcitizens.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.firstcitizens.com/privacy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com