Products & Services

Whether you want a lockbox for accelerated collection of payments, need to set up online banking or secure a loan, we have just the service to meet your goal.

  • Lockbox

    Our lockbox service provides a fast, accurate and cost-effective way for your association to receive and process mail-in payments. A single lockbox will be assigned for all your member associations, with funds deposited automatically to each individual association account.

  • Remote Image Deposit

    Save yourself multiple trips to the bank with Remote Image Deposit. Simply use a check scanner in your office to scan paper checks to be deposited and then transmit the images to us through your Internet connection.

  • Business Online Banking Advantage®

    In today’s environment, online access to information and transaction initiation capabilities is just as critical as the framework of the cash management system. Our Business Online Banking Advantage (BOB Advantage®) service lets you manage your association’s accounts securely and efficiently 24/7 from the Internet.

  • Loans

    First Citizens has created a loan program especially for homeowner associations. Our loan program recognizes the special needs and requirements of homeowner associations and does not require personal guarantees or real estate liens.

  • Reserve Funds

    First Citizens has very competitive money market and CD rates for your association’s reserve accounts. We are also part of the CDARS program, allowing you to deposit up to $50 million under a single business with full FDIC insurance.

  • Equipment Financing

    We make equipment leasing hassle-free so you can focus on your business. Lease terms are generally 24 - 60 months but can be customized to meet your business needs.

  • Employee Benefits

    Your company depends on dedicated employees to serve your members. We can help you reward their commitment with an attractive package of retirement, insurance1, banking and financial solutions to meet your specific requirements.

  • Bank at Work

    Offering Bank at Work is as simple as arranging to have participating employees’ paychecks automatically deposited into their First Citizens Bank at Work checking account. And if your association or apartment complex banks with us, residents can also be offered the Bank at Work program.

  • Risk Management Assessment and Directors & Officers Liability Insurance1

    Insurance should be an important component of your risk management strategy, and the quality of our risk analysis is second to none. We work with you to methodically and strategically identify your exposures and make clear, easy-to-understand coverage recommendations.

  • eReceivables

    Simplify the receipt of your consumer online bill payments for fast, accurate and efficient processing. First Citizens’ eReceivables service allows you to receive payments from multiple online bill payment processors in a single electronic file capable of updating your company's A/R system.

Please call us at 1.866.FCB 4BIZ (1.866.322.4249) weekdays between 8:00 a.m. and 8:00 p.m. Eastern time or email us.