Personal Banking
Checking and savings accounts designed around how you actually live — low fees, strong returns, and easy access whenever you need it.
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Chapel Hill · Triangle Area
Good morning — I'm Kristin Phillips, and I'd love to help you feel confident about your financial future.
As a Financial Services Professional with First Citizens Bank, I partner with individuals, families, and local businesses across the Triangle to build strategies that actually work — from everyday banking to mortgages, lending, and wealth guidance.
20+
Years of Experience
500+
Triangle Families Served
1650
E. Franklin St — Our Doorstep
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About Kristin
A trusted name in Chapel Hill financial services — with a personal touch that makes all the difference.
For over two decades, I've had the privilege of helping people in the Triangle navigate one of the most important decisions they'll ever make — what to do with their money. Whether you're a first-time homebuyer on Columbia Street, a UNC faculty member planning for retirement, or a small business owner on East Franklin, I bring the same commitment to every conversation.
I believe that banking shouldn't feel transactional. It should feel like you have someone in your corner — someone who knows your name, remembers your story, and isn't afraid to explain the fine print in plain language. That's the standard I hold myself to, and it's why so many of my clients have been with me for years.
Client-First Approach
Decades of Local Expertise
Trusted & Confidential
Clear, Jargon-Free Guidance
What I Can Do for You
Comprehensive financial services, tailored to your life.
From checking accounts to commercial lending, I offer a full range of banking solutions — all with the same personalized attention you'd expect from a neighbor.
Mortgage & Home Lending
Buying your first home in Carrboro? Refinancing near the Umstead area? I'll walk you through every option so you can move forward with confidence.
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Whether you're saving for college at UNC or planning a comfortable retirement, I help you build a strategy that matches your timeline and comfort level.
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Running a shop on Franklin Street or a startup in the Research Triangle? I provide the commercial lending, cash management, and tools your business needs to grow.
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From auto loans to debt consolidation to small business lines of credit — I'll help you find the right structure at a rate that makes sense.
Learn moreFinancial Consultations
Schedule a no-pressure, one-on-one session to review where you are and where you want to go. I'll listen first, then offer options — never push.
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My Approach
Financial guidance that actually feels human.
Too often, people feel like just another account number when they walk into a bank. I've always believed it should be the opposite. When you sit down with me, you'll get my full attention — no rush, no scripted pitch, just an honest conversation about what matters to you.
01
Listen
Tell me where you are and where you'd like to be. There's no right or wrong answer — just your story.
02
Understand
I'll ask the right questions, review your situation carefully, and make sure I truly understand your goals.
03
Recommend
Based on what I've learned, I'll outline the options that fit — and explain the trade-offs so you can decide with confidence.
04
Support
Our relationship doesn't end at closing. I'm here whenever you need me — for questions, adjustments, or just a second opinion.
Rooted in the Triangle
More than a bank — a neighbor.
I live and work right here in Chapel Hill, and I take that seriously. Supporting local institutions and causes isn't just good policy — it's the right thing to do.
University of North Carolina
Supporting faculty, staff, and students with financial products designed for academic life — from student accounts to faculty mortgages.
Local Small Businesses
From Franklin Street boutiques to restaurants in Carrboro, I help Triangle entrepreneurs access the capital and tools they need to thrive.
Community Investment
Through First Citizens' community programs and my own involvement, I'm committed to making the Triangle a stronger place for everyone.
Ready to start a conversation?
Whether you have a specific question or just want to explore your options, I'm here. Reach out today — a coffee, a call, or a visit to our Franklin Street office. Your financial future starts with a single conversation.
Get in Touch
Let's talk about what matters to you.
I'd love to hear from you. Whether you have a question, want to schedule a consultation, or just want to learn more about how I can help — reach out. I respond to every message personally.
Office
1650 E Franklin St
Chapel Hill, NC 27514
Chapel Hill, NC 27514
Phone
919-824-5888
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