First Citizens Bancshares, Inc. operates as a bank providing a range of financial services including personal and business banking, investment management, and financial planning. The company offers products such as checking and savings accounts, certificates of deposit, and individual retirement accounts (IRAs). It serves a diverse customer base, including individuals and businesses, and emphasizes tailored solutions to meet evolving financial needs. First Citizens operates primarily in the United States, focusing on building customer relationships and providing secure digital banking tools.