Accounts designed to meet business needs
Whether you need just the basics or an account with extra features, First Citizens business banking options make it easy to find the right fit for your specific needs.Learn more
Financial options for your business investments
First Citizens gives you a variety of financing options for equipment. Offering customizable terms, we can also help you easily meet your tax, accounting and business cycle cash flow needs.Learn more
Solutions to streamline your transactions
With services that make it easier to accept credit and debit card payments and enable you to deposit checks from your office, First Citizens can help improve your transaction efficiency, reduce your costs and boost your bottom line.Learn more
Grow your business, and your community, with an SBA loan
As a preferred lender of the U.S. Small Business Administration (SBA), First Citizens offers loans designed to help businesses grow. SBA loans can offer advantages over traditional loans, including lower down payments, longer repayment terms, and greater flexibility to use for a variety of businesses and purposes.Learn more
Approved to offer SBA loan products under SBA’s Preferred Lender programs.
A simple, cost-effective payroll solution
First Citizens Online Payroll can help simplify and streamline your payroll processes, with features that automatically calculate withholdings, taxes and net pay - while also initiating direct deposits to your employees.Learn more
Customized options to protect what you’ve built
As an independent insurance agency with more than 80 years of experience helping businesses, First Citizens Insurance Services can customize a risk management program to fit your business, and compare insurance options from a variety of carriers on your behalf.Learn more
Commercial Analysis Accounts
Consolidates your business deposit accounts into a single relationship in order to manage cash flow more effectively.
From payroll to wire transfers, payables solutions are designed to help you gain greater control of all of your payment transactions for maximum efficiency.
With solutions that include ACH, eReceivables and Remote Image Deposit, First Citizens can help you streamline the collections process and manage incoming cash.
Quickly and automatically reconcile all checks paid against your First Citizens checking account to help save you time and money in keeping your records current.
Industry Specific Expertise
Our experienced business professionals can provide insight and guidance unique to these specific business sectors.
Strategies for improving cash flow
Learn how to better predict your income and expensesRead more
Financing your business
Financial options to support your business successRead more
First Citizens Bank, a division of First-Citizens Bank & Trust Company, Raleigh, NC.
Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.