BOB Advantage®

BOB Advantage makes it simple to manage your company's finances with our comprehensive set of online services. Whether you want to view and manage your accounts, make payments, move money, set up additional users or have more complex treasury services needs - we have you covered.

To enroll in BOB Advantage, visit your local branch

First Citizens Digital Banking

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Manage Your Accounts

Account Management

  • View intra-day activity including incoming wire detail and pending ACH transactions
  • View up to 13 months of account history as well as pending transactions and available balance
  • View paid and returned checks, as well as images of your deposited items
  • Find transactions quickly with our integrated search feature
  • Easily view, print or save a copy of your account statement for your records
  • Receive account and security alerts to help you manage your money and monitor your accounts at all times

Payments & Transfers

  • Schedule one-time and recurring transfers and payments between your First Citizens business accounts - checking, savings, credit cards, lines of credit and loans
  • Send External transfers to your accounts at other financial institutions
  • Originate ACH transactions for payroll deposits, direct debits to collect funds or make payments to other companies
  • Initiate domestic and international wire transfers with foreign exchange
  • Manage and pay bills easily using our online Bill Pay service
  • Make federal and state tax payments
  • Create approval workflows for your business to protect the integrity of your online payments and transfers

Payments & Transfers
Cash Management

Cash Management

  • Cash Concentration - Consolidate and monitor funds from multiple business locations/other banks to your First Citizens concentration account
  • Controlled Disbursement - Accurately forecast and manage your daily cash requirements with controlled disbursement

Security and Fraud Prevention

BOB Advantage is protected by multiple layers of online security to help protect all of your account data

First Citizens uses industry-leading security solutions to protect your information

  • Get enhanced security when sending ACH & wire transactions with our 2CHK transaction verification tool
  • Prevent electronic fraud by monitoring or screening ACH transactions with ACH Monitor
  • Protect against fraudulent checks with Check Positive Pay or Reverse Positive Pay

Online & Mobile Banking Security
Other Features

Other Features

  • Establish multiple users with varying authority levels to give trusted employees or partners access to your business accounts, with advanced user and group management settings
  • Generate, view, print, save and export a wide variety of balance, transaction and payment reports
  • Download account history into Intuit® QuickBooks® and Quicken® accounting software using Web Connect, in order to manage your finances
  • Send a message to our Customer Contact Center and receive bank messages through our secure Message Center

To learn more about BOB Advantage:
Call 1.866.FCB 4BIZ (1.866.322.4249) Monday through Saturday between 7:00 a.m. and 11:00 p.m. Eastern time.
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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.


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

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