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