Michael O'Neill

Market Executive, SVP

Office Information

Office Phone

Areas Served

Greater Augusta

Get to know me

I am an accidental banker that discovered an ability to help people with their finances whether they were an individual opening a checking account or a CEO of a 150 Million dollar company who needs an ABL facility. I found my calling and work hard every day to make the lives of my clients and my team better by sharing my industry knowledge and embracing everyday challenges with a youthful vigor.

My experiences in banking have been vast over the last two decades, moving my family four times in six years to help the Wachovia organization blend cultures and increase sales for underperforming teams. I recruited, coached and motivated my way to turn them all around. In 2008, my wife and I brought our family back to Augusta (my wife's home).

I now lead a team of exemplary talent over three lines of business, which includes Retail, Business Banking and Commercial. Blending all of my formal experiences personally to benefit the experience for the Greater Augusta Market.

Our approach

At First Citizens, our Bankers view business relationships with you through a long-term lens. This aligns with our brand ethics, business philosophies and statement of purpose for building a long, lasting alliance. We make recommendations and decisions based on what’s best for your business and focus on your growth, expansion and success.

Management at First Citizens is regional, and we guide your accounts in the same manner—with regional support and authority. Our relationship management teams include inside and outside relationship managers, credit professionals and product specialists. Our consulting and business strategy services include industry change optimization, business process management and financial management processes.

We pride ourselves on working together to bring positive results to your business, as we see your vision come to fruition.

Industry Expertise

Commercial and Industrial
Manufacturing (Plastics, Metal, Rubber, Textiles)


Augusta University


Make sense of the markets. We have our fingers on the pulse of economic growth, investor sentiment and valuation trends.
Start, grow and expand. Our industry knowledge helps you build a long-term approach for successful business strategies.
Check out the full range of commercial financing services offered by First Citizens Bank.