Frequently Asked Questions

Business Online Banking Advantage®

Business Online Banking Advantage (BOB Advantage®) enables you to manage your First Citizens accounts online. You can view account information, transfer funds between accounts and access other services such as Automated Clearing House (ACH), wire transfer, positive pay and controlled disbursement. It uses state-of-the-art security combined with the simplicity of website navigation. BOB Advantage makes it easy to manage all aspects of your business finances.
It's very easy. You don't have to know a lot about computers or even be at your business to handle financial tasks. With just a click of a button you can access most of the services available.

All you need to use BOB Advantage is a First Citizens business checking account and a computer with an Internet connection that meets the requirements outlined here:

For PC (Windows Vista, Win 7, Win 8, or Win 10)
  • Internet Explorer (IE) 11 and higher
  • Firefox 52 and higher
  • Chrome 57 and higher
For Mac OS
  • Safari 10.0 and higher
  • Firefox 52 and higher

Business Online Banking requires JavaScript. If you browse the Internet with scripting disabled, you will have to turn scripting on when you visit our site. However, scripting can turn on automatically for BOB Advantage if you use your browser's Trusted Sites feature.

Just talk with a banker at a First Citizens branch. If you don't already have a First Citizens business checking account, we'll help you set up your account, too.
The basic BOB Advantage package has nominal activity and excess item fees for up to three accounts. It includes previous-day as well as intra-day balance and detail transaction reporting, book transfer and stop payment services. Additional module, activity and excess item fees are added for ACH, wire transfer and some other services. See our fee schedules for BOB Advantage, visit your local branch or call 1.866.FCB 4BIZ (1.866.322.4249) between 7:00 a.m. and 11:00 p.m. Eastern time Monday through Saturday for more details. Compare the two different BOB Advantage service packages to see which is best for your business.
Typically customers can begin using BOB Advantage as soon as you leave the branch. You will receive a print out at the branch that will contain your Customer ID with log in instructions. Also, a welcome email with log in instructions is sent to the email address provided at enrollment. Please contact us at 1.866.FCB 4BIZ (1.866.322.4249) between 7:00 a.m. and 11:00 p.m. Eastern time Monday through Saturday if you do not promptly receive your welcome email.
The welcome email will include detailed instructions on how to sign in to BOB Advantage the first time. You’ll need to know the Customer ID you selected at sign-up (provided on the branch print out), as well as your User ID and Password.
Initially, you must designate a Company Administrator who will then be responsible for setting up access for other employees.
Yes. Your Company Administrator controls access at the service level: balance reporting, stop payment, book transfer, etc. The Company Administrator also controls employee account access.
You will be able to view all of your First Citizens business checking, savings and money market accounts, loans, lines of credit, and credit card accounts. You cannot access a commercial leasing account. Depending on the number of accounts you choose to access, there may be an additional charge.
You can make transfers from any of your First Citizens business checking, savings or money market accounts to any of your First Citizens business accounts, including deposit accounts, commercial loans, lines of credit and credit card accounts. You will have immediate access to your accounts and to your funds if you transfer between deposit accounts (checking, savings and money market). Transfers to your loan accounts will post as payments by the next business day. You cannot transfer money to a mortgage account, Investor Services1 account or commercial leasing account. You can advance funds from a standalone line of credit account (excluding Capital Line) but not from other credit accounts.
You can download your account history using comma-delimited, tab-delimited or BAI format. You can also download account history into Intuit® QuickBooks® and Quicken® accounting software using Web Connect.

First Citizens is dedicated to maintaining the highest level of online security. That's why we've made a commitment to protecting your company's financial information with some of the top Internet security technology in the industry. BOB Advantage is protected by multiple layers of online security to help protect all of your account data.

Visit our Privacy & Security site for more information on how you can protect your account information.

Contact us at 1.866.FCB 4BIZ (1.866.322.4249) Monday through Saturday between 7:00 a.m. and 11:00 p.m. Eastern time if you have questions or need assistance with BOB Advantage, including ACH, wire transfers and Positive Pay.
For help using BOB Advantage, click on the Help icon within BOB Advantage to access page specific help to assist you in using every aspect of BOB Advantage. Or you can visit the Message Center from the Home Page on BOB Advantage to create a message.
Bill Pay will be available next business day after end of day processing
The administrator will need to enable the Bill Pay permissions at the cross and per account level under Admin > Users > user to be modified> Permissions. This will enable the user to view the Bill Pay tab. Users permissions, such as, approval and limits can be modified by navigating to Bill Pay > Other > Manage Users.
The administrator has the ability to assign a starting check number for each account set up for Bill Pay by navigating to Bill Pay > Options > Manage My Accounts. The default check number currently assigned to all accounts is 10000. To prevent duplicate check numbers, Positive Pay customers should enter a five digit starting check number.
The check number will display once the payment has been submitted for processing. You can view the check number on the confirmation page or under Scheduled Payments.
Payments will be sent either electronically or by paper check. The delivery method will be displayed next to the Payee name prior to submitting the payment.
As long as the payment is still in a pending status, you have the option to edit or stop the payment. Once the payment is processing, we do not have the ability to cancel or edit the payment. If a paper check was issues, you have the option to place a Stop Payment on the check.
You can select your default page by navigating to Payments & Transfers > Bill Pay> Other > Personal Profile and clicking Default Page. Selecting ‘ShortCut” and saving your changes, loads the Payment page the next time you access Bill Pay.
Power User will display 50 payees on a single page for selection
Customers receive notifications until the payment has been approved. Alerts are sent at 2:00AM, 6:00AM, 10:00AM, 2:00PM, 6:00PM, and 10:00PM
Navigate to Options > Manage Bill Pay Accounts and click the Bill Pay Accounts tab. Click the edit link for the account to be notified.
Reports are available under the Option tab
If you created special categories in the previous version of Bill Pay and no longer see those as a selection, you will need to create those categories in IPay.
No, existing Payees in Bill Pay will not be changed. Customers can call Bill Pay support at 866-820-1730 and they can assist with updating the default account on existing Payees.