Steve Esposito

Director of Reserve Management

Office Information

Office Phone
Corporate Address
4950 South 48th Street
Phoenix, AZ 85040

Areas Served


Get to know me

As the Director of Reserve Management, my team of First Citizens commercial bankers specialize in Community Association Banking reserve consulting. We understand the unique needs of the industry and the complexities of managing multimillion dollar relationships. I attened West Virginia University where I majored in Business Administration. Having worked in the Business Banking and Retail Banking Space for over 15 years, I take pride in partnering with my clients for long-term success. I reside in Phoenix AZ with my wife Sylwia and 2 children. I enjoy coaching youth sports and spending time with my family and friends.

Our approach

First Citizens Community Association Banking has the expertise to help you grow your communities and your business with customized financial solutions, API integration and exceptional service.

As a leader in the industry, we listen to our clients and seek their input on the products and services they need.

Our community association management solutions are designed to help you achieve long-term success, reduce manual back-office processes and simplify the payment process for homeowners. We strategically invest in technology that supports community association management and offer the solutions, service and industry expertise to help you efficiently manage and grow your communities.

We understand each community comes with a unique set of individuals and requirements, and we work with you to ensure your association members, board of directors and employees have the tools to efficiently manage your communities.

First Citizens Bank’s Community Association Banking business is a national leader in providing individualized service, customized technology, smart savings solutions and operational efficiency for homeowner associations (HOA) and community association management companies nationwide. The business’s banking solutions include operating and reserve accounts, certificates of deposit, money market accounts, online banking, payments services and HOA loans. First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Founded in 1898 and headquartered in Raleigh, N.C., we provide a unique legacy of strength, stability and long-term thinking that has spanned generations.

Industry Expertise

Community Association Banking


West Virginia University

Personal Interests

Traveling, fitness, coaching youth sports

Community Involvement

Ahwatukee Little League Baseball coach, Ahwatukee Pony League Baseball Coach


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