Business Cash Management Menu

Frequently Asked Questions

ACH Automatic Drafting FAQs

Please note: These FAQs are for existing ACH customers.

+How do I determine what my customer’s account numbers are and who they bank with?
You must receive authorization from your customers to obtain the information needed to debit their checking/savings accounts. Please reference the National ACH website1 (Section VII Appendices) for Sample Authorization for Automatic Drafting for more information.
+Is there a deadline that I must meet to ensure my transactions process efficiently?
Yes, in order to ensure items post in a timely manner to reach the receivers account for posting, we should receive ACH Debit files (for Automatic Drafting) at least one business day in advance of the effective (due) date. All ACH transactions submitted prior to 7:00 p.m. Eastern time will be processed at First Citizens the same day for the delivery to your customer’s bank. Transactions submitted after 7:00 p.m. Eastern time will be processed at First Citizens for delivery to your customer’s bank the next business day. If you send your Automatic Draft transaction the same day the payment is due (effective), you will not receive your deposit until the next day (settlement day).
+Many of our employees submit voided deposit tickets rather than checks to us. Is using the information on a deposit ticket as good as a voided check?
No. Do not use deposit tickets as they have internal information on them that will not process through the ACH system.
+Is there a way to verify the account and transit routing number(s) are valid before I initiate a transaction?
Yes. A Pre-note transaction may be submitted as a test. A Pre-note is a zero dollar transaction with unique transaction codes. Its intention is to verify both the transit routing and account number of a transaction. If either is incorrect, you will be notified via a Return Resolution Report. It is recommended that you initiate a Pre-note transaction six days in advance of a live dollar transaction for first time accounts.
+How will I know if an ACH transaction that our company initiates is returned to us?
The ACH Return Resolution report information is available and accessible through the Business Online Banking Advantage® (BOB Advantage®) website by clicking on the "Reporting" section. The Return Resolution report is a critical part of being able to process our Automatic Drafts. On a daily basis, these reports will detail any transaction that was returned to you and you have not received your credit. It will also show any account information that has changed or is no longer valid. To access the report: Select either the Standard or Custom ACH Report option located under Bank Reporting on the Account Management Reports Page. Your Return Resolution and Notification of Change Reports are accessible for 14 calendar days.
+What information is contained on an ACH Return Resolution Report?
The ACH Return Resolution Report details significant information about your transactions. The most important information Includes but is not limited to, why the transaction was returned (Return Reason), account number, name, individual ID, and dollar amount associated with the transaction.
+What if I submit a transaction in error?
Your company may submit a reversing ACH transaction. The reversing transaction may only occur if the error is due to an invalid/incorrect dollar amount. An ACH reversal must be submitted within five days of the settlement date of the original erroneous transaction; however reversals are not guaranteed.
+How do I submit a reversing transaction?
You can submit an ACH transaction reversal using BOB Advantage. An ACH reversal must be submitted within five days of the settlement date of the original erroneous transaction. To access the ACH reversal function, locate the erroneous transaction in the completed section on the ACH Summary page. Click the View link for the transaction. Detailed information for the selected transaction is displayed. A Reverse button will also display. To submit a reversal, click the Reverse button. If you need additional assistance, click the Inquire link for the transaction. Enter your question and click the Send button. A customer service representative will respond to your inquiry within one business day.
+What happens if I submit a transaction on a business day, but the effective date (Due Date) falls on a weekend or holiday?
The bank will move the effective date to the next business day following the weekend or holiday. It is important that you consider weekends and holidays when determining your effective date so as not to cause your transactions to post later than you desire.

Example: If your effective date is typically the 1st of the month for payroll transactions, and the 1st of the month falls on a Saturday, you will likely want to back the effective date up to the 30th or 31st of the previous month. Then submit the transactions a day or two sooner, accordingly. In this example, failing to consider that the 1st falls on a Saturday would result in the effective date being moved forward to the next business day, the 3rd.
+What happens if I submit transactions over the weekend or on a holiday?
Financial institutions vary on how they handle transactions submitted on a non-business day. We will process the transactions on the next business day following the weekend or holiday.
+How do I stay informed of changes that may affect processing my ACH file?
As part of your ACH Agreement with First Citizens, you are required to stay abreast of industry changes. We recommend you become a member of your local ACH Regional Association (East Pay on the east coast) or reference www.nacha.org1 for ACH rules changes. Often when changes occur that significantly affect your ability to originate your ACH file (Automatic Drafts, Taxes etc.), a notice will be posted on BOB Advantage.
+If I am unfamiliar with ACH and what is needed to create my Automated Drafting file, what is the procedure for ACH training?
ACH Training is provided to customers upon request. If you need ACH training, please contact First Citizens Business Central at 1.866.FCB 4BIZ (1.866.322.4249, option 2) to schedule a training date.

Can’t find the answer you need?

If you didn’t find what you were looking for, please send us your questions directly.

Email us

Or call

1.866.FCB 4BIZ (1.866.322.4249)

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.


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.