Business Services
Manage Cash FlowTo maintain the health of your business, cash flow must align with your specific needs. Our complete range of services help you manage your cash flow effectively and cost-efficiently including everything from credit card processing and customized lines of credit to Working Capital Finance and zero-balance accounts.
Merchant Services
When you accept credit and debit cards you not only improve cash flow, you cut the risk of bad checks. We help you process all major cards.
Business Online Banking Advantage
With real-time transfers, online Bill Pay and other features, Business Online Banking Advantage means you can handle your money more efficiently.
Direct Leasing2
Rather than tying up money in a piece of equipment or a vehicle, leasing can free up capital for other uses.
Automatic Investment / Sweep1
With Automatic Investment your cash always works — it's automatically swept into an interest-bearing account.
Business Investment / Asset Management*
Our Business Investment and Asset Management programs offer longer term investment possibilities and professional management of cash generated by your business.
Personal Checking, Savings and Lines of Credit2
A First Citizens Relationship Banker can show you how to use personal accounts to help manage business cash flow.
Working Capital Finance
If your firm is engaged in business-to-business sales, you can ensure continuous cash flow (and avoid any collection headaches) by selling your commercial accounts receivable to our Working Capital Finance division.