Business Online Banking Advantage®

Overview

Spend less time on banking and more time on your business. With Business Online Banking Advantage (BOB Advantage®) from First Citizens, securely access your accounts, make transfers, pay loans, and check messages and alerts — anytime, anywhere. Learn more »
To learn more about Business Online Banking Advantage®, call 1.866.FCB 4BIZ (1.866.322.4249) weekdays between 8:00 a.m. and 8:00 p.m. Eastern time. To enroll in BOB Advantage, visit your local branch.
For a look at everything that BOB Advantage can do for your business, view our demo and see firsthand how easy and convenient online banking can be.

Compare

* Fees apply when exceeding standard allowances
** Additional Fee Applies
Services & Features Basic Plus
Learn More Learn More
Information Reporting
Account Access

Includes: Checking; Savings; Time Open Accounts (TOAs); Individual Retirement Accounts (IRAs); Certificates of Deposit (CDs); Credit Card; Lines of Credit (LOC); Installment Loans
3 accounts included* 5 accounts included*
View previous day account balances & transactions Yes;
13 months
Yes;
13 months
View images: Paid Check, Deposit Tickets, Deposited items, Returned items Yes;
50 per month*
Yes;
50 per month*
Check Inquiry Yes Yes
View intra-day balances & pending ACH and Wire transactions Yes Yes
Controlled Disbursement Yes**
eDocuments
Online statements with Go Paperless! option Yes Yes
Repurchase Agreement Confirmation Advice Yes Yes
Payments & Transfers
Transfer funds between First Citizens accounts Yes Yes*
Make payments to loans & lines of credit Yes Yes*
Establish recurring transactions and create transaction templates Yes Yes
Define transaction approval requirements & workflows Yes Yes
Bill pay Yes Yes
Create State and Federal Tax Payments Yes** Yes**
Originate ACH transactions (payroll direct deposit, collection of payments & dues) Yes*
4 files and 40 items per month
Yes**
External Transfers: Transfer funds to accounts at other financial institutions Yes**
Send domestic wires Yes** Yes**
Send international wires Yes**
Send child support payments Yes**
Cash Management Services
ACH Monitor Yes** Yes**
Positive Pay Yes**
Cash Concentration Yes**
Other Features
Download account history: CVS, BAI2, PDF, Plain Text, Tab Delimited Yes Yes
Quicken Yes;
WebConnect & DirectConnect
Yes;
WebConnect & DirectConnect
QuickBooks Yes;
WebConnect & DirectConnect
Yes;
WebConnect & DirectConnect
Alerts

Optional email or secure online notices for Account balance; Bank Messages; Insufficient Funds (NSF); Payment Approvals; Transactions; Statement Availability; ACH Monitor; Positive Pay; Repurchase Agreement Confirmation
Yes Yes
Reports

Generate customizable reports for Account Management; Cash Management; Transactions; User Activity and System Activity
Yes Yes
Administration
Multiple with customized access permissions Yes Yes
Establish account and transaction entitlements Yes Yes
Create divisions & groups Yes Yes
Learn More Learn More

To learn more about Business Online Banking Advantage®, call 1.866.FCB 4BIZ (1.866.322.4249) weekdays between 8:00 a.m. and 8:00 p.m. Eastern time. To enroll in BOB Advantage, visit your local branch.

Questions?

Email us

Or call

1.866.FCB 4BIZ (1.866.322.4249)

Save time and money with Remote Image Deposit

Make check deposits from the convenience of your office

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Streamline your transactions with Merchant Services

Designed for the way you do business

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

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