First Citizens Bank

First Citizens Bank is one of the largest banks in the United States with $221B in assets, 500+ branches across 23 states, and a family-controlled institution built to compete against JPMorgan, Bank of America, and Wells Fargo.

CB/I Digital has partnered with FCB for over five years, beginning with a major website migration and digital rebrand in 2019, expanded through SEO integrations for two landmark acquisitions (CIT Bank and Silicon Valley Bank), and with the advent of AI search, evolved into a fully agentic system at enterprise scale.

Launch site
CB/I Digital was named in the Top 5 for Best Search Campaign from The Digiday Awards - an award that recognizes our outstanding digital marketing services. CB/I received a Gold Award in the category of Fashion & Style for our growth strategy behind successful paid advertising campaigns for Melinda Maria.
CHALLENGE

When AI Overviews launched, the stakes for organic search changed overnight. FCB was losing visibility for high-value product lines like Free Checking, savings accounts, and commercial financing both to larger banks with bigger content operations, and AI summaries that ate into organic traffic.

Traditional SEO processes weren't fast enough to keep up. Weekly changes in AI-generated results demanded a fundamentally different approach.

FCB needed to move from reactive to predictive. CB/I needed to rebuild the methodology itself.

“We’ve been every bit of delighted and impressed with you, your teams and the culture of your organization when working with you and your team on SEO and digital marketing.  As our team has become exposed to your responsiveness, professionalism, knowledge and general access, they have been blown away by the levels and degrees of quality you all bring to the table.  Your team continually makes our team better, and we seek to regularly reciprocate regarding our industry and specialties, building us both stronger.  What a testament to your team members and the environment you have created!”

Jason Tarter - Manager Digital Channels
First Citizens Bank
SOLUTION

The campaign targeted two audiences: retail banking customers searching for checking and savings products, and commercial decision-makers evaluating treasury management, real estate financing, and business credit — both under heavy competition from the largest banks in the country.

CB/I created custom AI agents to handle the heaviest SEO workloads: article optimization, schema markup, FAQ generation, and deep competitor analysis. But financial services isn't a forgiving environment for AI experimentation. 

YMYL guidelines demand absolute accuracy, and early outputs contained hallucinations and inconsistencies. CB/I solved this by training agents on FCB's brand guidelines, compliance documentation, and proprietary Semantic SEO frameworks.  By engineering structured prompts that required source-backed reasoning, and automated QA, we were able to catch anomalies before anything reached production.

Speed was the other constraint. AI Overview composition was evolving week to week, and traditional workflows couldn't keep pace. Automation pipelines via N8N and Make.com replaced manual processes end-to-end.  Competitor research that once took 3.5 hours dropped to 45 minutes, and overall execution speed increased by 72%, enabling the team to implement more optimizations in less time.

Throughout, the model stayed deliberately human-AI hybrid. AI handled speed and scale. CB/I strategists and FCB's internal team handled judgment, compliance, and strategic alignment. Every output was brand-safe and regulation-compliant before it went live.

This wasn't AI bolted onto an existing process. The process was rebuilt around AI.

RESULTS

January to July 2025

8x
AI Overview visibility
+427%
AI traffic YoY
  • +63% forms submitted YoY
  • 2,000+ AIO citation keywords
  • 72% faster optimization execution; competitor research time cut from 3.5 hours to 45 minutes
  • Commercial financing real estate" rankings jumped 34 positions to #2, with page traffic up 300% YoY
First Citizens Bank results

Top AI Overview placements secured

  • "cd savings account" (3,600 MSV)
  • "home improvement loan" (49,500 MSV)
  • "new construction financing" (4,400 MSV)
  • "commercial property loan" (2,800 MSV)
  • "ar factoring" (#1 AIO)

Keyword rankings achieved

#1
Commercial Real Estate Financing
#1
Free Online Savings Account
#1
Business Cash Management
#1
HOA Banking
The Takeaway

More than a performance case study, this initiative is a roadmap for how AI search optimization should be built, not as a shortcut, but as a system engineered for accuracy, compliance, and compounding results over time.

CB/I and FCB didn't experiment with AI. They rewrote the playbook.

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