Business Cash Management Menu

ACH Payments (Disbursements)

Process every payment — automatically and securely.

Get a service that moves your money quickly and securely

Contact Treasury Services

Learn more about:

Deposit funds faster with First Citizens Automated Clearing House (ACH) services. This service allows you to electronically deposit funds to your employees and customer accounts in a safe and convenient way. Our ACH Direct Deposit service requires your customer to grant you authority to deposit funds into their account. Disburse your credit payments securely online through easy-to-manage websites or our secure file transfer protocol system.

Benefits of ACH Direct Deposit

How the Service Works

It's easy to move funds and send money using Automatic Payment (Disbursement) Solutions for your direct deposit needs.

First Citizens offers two ways to send your ACH transactions.

Business Online Banking Advantage® (BOB Advantage®)
Use BOB Advantage to send your ACH transactions for direct deposit. BOB Advantage allows you to create and store ACH templates for recurring transactions or to send one-time payments. You can also upload NACHA compatible files directly through BOB Advantage from your accounting software. View how easy it is to use BOB Advantage for submitting your ACH transactions with our guided demo.

Data Exchange Services (DES)
First Citizens also offers Data Exchange Services (DES), our secure FTP (File Transfer Protocol) option for submitting large volume ACH files for processing. Files must be submitted in the industry standard NACHA file format.

Get a service that moves your money quickly and securely

Contact Treasury Services

Learn more about:

Questions?

Email us

Or call

1.866.FCB 4BIZ (1.866.322.4249)

Learn more about Business Online Banking Advantage®

Secure account access to keep your business finances organized

Learn More

Streamline your transactions with Merchant Services

Designed for the way you do business

Learn More
Email your question or comment

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

To get additional information or to send a comment about First Citizens Bank, our products and services, please complete the online form below.

* indicates required field

Request a Call

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

Would you like to know more about our products and services? Give us your name, phone number, area of interest and what time is convenient for you. We will have a qualified First Citizens associate contact you to answer your questions.

* indicates required field

Personalize Your Banking Experience

First Citizens Bank product offerings differ from region to region. In order to accurately display information on accounts, rates and special promotions specific to your area, please enter your 5-digit ZIP Code below.

Email

Thank you for your inquiry. A First Citizens Representative will contact you shortly.

An error occurred while sending your request. Please try again.

To contact , please complete the following form.

* indicates required field

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

Learn more »

Please Upgrade your browser

Your Browser Is Not Supported – Please Upgrade

In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

We strongly recommend that you upgrade now.

If you do not upgrade your browser, you may experience functional or display issues on the pages you are attempting to access.