Products designed to help small businesses grow and succeed
  • Banking
    Accounts designed to meet business needs

    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.

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  • Equipment Finance
    Financial options for your business investments

    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.

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  • Payment Acceptance
    Solutions to streamline your transactions

    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.

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  • SBA Loans
    Grow your business, and your community, with an SBA loan

    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.

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  • Online Payroll
    A simple, cost-effective payroll solution

    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.

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  • Insurance
    Customized options to protect what you{'}ve built

    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.

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Financial solutions to support your growing business
Commercial Analysis Accounts

Commercial Analysis Accounts

Consolidates your business deposit accounts into a single relationship in order to manage cash flow more effectively.

Payables

Payables

From payroll to wire transfers, payables solutions are designed to help you gain greater control of all of your payment transactions for maximum efficiency.

Receivables

Receivables

With solutions that include ACH, eReceivables and Remote Image Deposit, First Citizens can help you streamline the collections process and manage incoming cash.

Reconciliation

Reconciliation

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.

Business Insights

Strategies for improving cash flow

Strategies for improving cash flow

Learn how to better predict your income and expenses

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Financing your business

Financing your business

Financial options to support your business success

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Personalize Your Banking Experience

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Deposit cash or checks without an envelope 24 hours a day, seven days a week

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