Commercial Insights

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Industry Expertise

How the Cannabis and Hemp Industry Can Thrive in 2024

Five steps hemp and cannabis businesses can take to prepare for legislative changes in 2024 and emerge stronger.

New legislation—even if it's primarily positive—may bring new unknowns, and that's why proactive planning is essential.

Risk Management

How To Protect Your Business From ACH Fraud

Learn how to detect the warning signs of ACH fraud and prevent it from happening to your organization.

According to the Association for Financial Professionals' 2023 Payments Fraud and Control Survey Report, 30% of organizations experienced fraudulent ACH transfers during the previous year.

Risk Management

Business Email Compromise Prevention Strategies

Learn how to protect your organization against business email compromise attacks.

The FBI considers BEC attacks to be one of the most financially damaging online crimes, referring to it as the $50 billion scam, given that roughly that amount was stolen from businesses worldwide between 2013 and 2022.

Middle Market Banking

Building a Stronger Organization

Senior executives from multiple industries share the strategies they use to execute business plans, strengthen workplace culture and make positive impacts across their organizations.

The Future of Hemp Business Banking

Get insights into helpful and timely information about the hemp business and the banking services that support it.

Middle Market Banking

Plan. Optimize. Protect.

Get insights into business automation, insurance and cybersecurity trends and strategies to protect and streamline your business.

Construction Inflation Costs: Are You Feeling the Squeeze?

Here's the latest update on construction supply chains, as well as how your business can manage rising costs.

Although supply has been squeezed, demand for construction and housing starts have been soaring, further driving up the price of materials.

Preventing Logistics and Supply Chain Fraud

Logistics and supply chain management have grown more complex and competitive.

Data analytics can be a powerful, cost-effective tool to increase visibility along your supply chain.

Community Association Banking

How to Avoid HOA Scams and Fraud

Protect your HOA from phishing, email account fraud and other scams.

Ramping up a sense of urgency is a common tactic, with fraudsters often sending such requests late in the day, just before a holiday or weekend, or when the purported sender is out of the office.

Grow Your Business With an Expansion Loan

See how a business expansion loan can help finance your commercial growth plan.

A business expansion loan gives you extra funds to buy new equipment, hire staff and move into new markets.

The Main Types of Commercial Loans Available for Businesses

There are several types of commercial loans you can choose for your company. Learn which will work best for your situation.

Before you jump into getting any loan, make sure you have a plan for how you'll use the funds you receive.

Community Association Banking

How Can a Reserve Account Help Your HOA?

When your community association needs to cover immediate expenditures, a reserve account can grow and protect your funds with maximum liquidity.

A product that will provide a steady, reliable rate of return is a must for ensuring association assets will grow to provide the maximum funds possible to maintain and enhance property values.

Community Association Banking

How to Keep Your HOA Reserve Funds FDIC-Insured

Here are some ways to keep your HOA reserves safe and secure with the aid of a single banking relationship.

If your community association has funds over $250,000 and isn’t sure where to place them, it's important to talk with your financial provider to be sure your funds are safe.

Community Association Banking

Promoting HOA Board Transparency

Every HOA board is required to provide information to homeowners. Learn how to build trust through transparency.

It's better to conduct most of your sessions with homeowners in attendance so they can feel heard.

Community Association Banking

HOA Responsibilities in a Natural Disaster

Put a plan in place to help your homeowners association community when disaster strikes.

While your HOA doesn't take the place of emergency response agencies, it can create a budget plan to facilitate response and recovery from unexpected events.

Community Association Banking

What Are the Benefits of CD Laddering for Your HOA?

Help your community association money to grow safely while keeping access to your funds.

It’s an ideal cash management concept for community associations because it provides safe earning power and regular access to funds.

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This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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