First Citizen is proud of its high security, and this is evident in the user options page. You can change your password whenever you want, which is you should do periodically-say every two weeks or so--just to make sure that you are truly safe from any hackers who might try to guess your password.

There is also a time out feature which allows the website to automatically sign you out after a period of no activity. When you sign up, you are given the option of having the First Citizen newsletter delivered to your email inbox, which you can always change in the user option page whether you want the newsletter or not. Also, there is the option of choosing what page you want to see first when you sign in; and whether it is your statement or the money transfer page, you can set the option to see what you want to see--and not what the bank lets you see.

When you think about choosing an online bank, you will not have First Citizen up there at the top of your list. But if you are looking for a bank that looks after the customer with pride and never wants to see a customer leave, then First Citizen is your best choice. It's not about what rates they offer on loans and mortgages; if that's what you are after, then maybe you should look for a different online bank.

But if you are looking for a bank that has excellent customer service and built-in features that look after the customer and their needs, then First Citizen should be your first pick. You can still make transactions and check your statements, but you can also let them know what you think about the website; and suggest new functions.