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Online Banking and Real Time Available Balances “Available to Spend”

First Citizens Online Banking Service now displays your real time funds available for use on your First Citizens Credit Card making it easier for you to manage your spending.


Paying your Credit Card Online also provides instant access to these funds and updates the Available to Spend balance immediately. Additionally, purchases and withdrawals completed are updated real-time via the Available to Spend tab.

How do I view my Real Time Available to spend balance?

  • Log in to Online Banking at www.firstcitizenstt.com utilizing your personal user id and password
  • Customize your page as a new Credit Card widget has been added
  • Select Customize this Page and check CreditCard/Prepaid Accounts if not already checked
  •  Your credit card should now be seen on the home screen
  • Click on your Credit Card Account
  • Click on Available to Spend
  • A window will appear with your available balance
    Or
  • Log on to the Online Banking Service
  • Select the My Home tab
  • Select Account List from the drop down box
  • Select your credit card account
  • Click on Available to Spend
  • A window will appear with your available balance

 

*Please Note that at this time Real time balances will not be reflected for payments made via Online Banking to Prepaid MasterCard Accounts.
Purchases/withdrawals made with your Prepaid MasterCard Accounts however will be updated on your Available to Spend Balance.

  • Classic Credit Card “Shopping”
  • Card Safety Tips
  • E first
  • Contact Centre
  • Point of Sale Terminal
  • Mobile Banking