First Citizen Bank offers services in commercial and retail banking through more than 150 offices in South Carolina and five offices in Georgia. The bank offers trust, insurance, investment and electronic services and products. Other services include checking and money market accounts, savings deposits, demand deposits and time deposits. Its loan portfolio comprises commercial business loans, commercial and residential real estate construction and mortgage loans, loan participations, consumer loans, revolving lines of credit, letters of credit and residential mortgages.