Business Online Banking (BOB) Advantage

Manage business finances with our robust, online services

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See how BOB Advantage works

Watch this video to learn how BOB Advantage works

First Citizens Business Online Banking or BOB Advantage provides secure, 24/7 access to your accounts along with easy-to-use features to help you manage your business.

Let's take a closer look at how BOB Advantage makes it simple to manage your business finances.

To maintain the highest level of security available First Citizens leverages a multi-layer security approach and provides advanced online verification tools to protect your business against viruses and other malware.

In addition to providing easy access to your accounts, messages and alerts BOB Advantage’s intuitive interface allows you to quickly navigate to all the great tools and features available online.

You can customize your home page to display just the information that's important to you and change the layout to meet your needs.

BOB Advantage also gives you the freedom to set up individual user preferences as well as choose which account alerts you would like to receive and how you would like to receive them.

For ease and simplicity BOB Advantage provides a consolidated view of your accounts with the ability to navigate down to individual accounts.

Bob Advantage’s account balance feature provides a summary view of all of your accounts on a single screen including deposit accounts, loans and lines of credit.

You can navigate easily between previous day and intraday account information including your current available balance, as well as view pending ACH and wire transactions and submit an inquiry if needed. Locating specific transactions is fast and hassle-free using the integrated transaction search engine that displays results, complete with front and back check images.

View up to 13 months of transaction history for any account with just a few clicks, then export the results in your desired format such as QuickBooks or BAI2.

Viewing an account statement is just as simple. At any time you can print or save a copy for your records. With BOB Advantage you can quickly transfer funds between your accounts on a one-time or recurring basis.

Detailed information for all completed transfers is available in your transfer summary. When you're not sure if a check has been paid use the check inquiry function to find out. If needed you can request a stop payment by filling out the streamlined form. Company administrators enjoy instant access to administrative tools that make it simple to add new users, grant permissions and manage all other company services from one secure location.

BOB Advantage also enables you to help prevent check fraud with positive pay, manage exceptions quickly and efficiently.

With the click of a button you can upload a check issue file that you've prepared or use BOB Advantage to build a file. Monitoring and approving pending ACH transactions has never been easier.

Using the point-and-click menus you can review exceptions and submit pay or return decisions with the option to add a recurring authorization to automatically approve future payments.

BOB Advantage also makes it simple to create and generate a wide variety of balance and transaction reports with the ability to export them in several formats. Create and send ACH payments such as payroll and automatic drafts by uploading NACHA-compatible files or create a new ACH transaction with BOB Advantage’s integrated ACH batch for your convenience.

BOB Advantage supports both, state and federal tax payments. Designed to accommodate all of your business banking needs, BOB Advantage allows you to view, create and send US or international wires as well as billed wire templates to facilitate frequently occurring payments.

You can also view completed cash concentration transactions and create new deposits or disbursements to various locations on the fly.

BOB Advantage from First Citizens makes managing your business easier than ever before.

To learn more contact us today at

Account Management

Data at your fingertips

Quickly access and manage your business accounts on the go with our BOB Advantage platform.

  • View recent activity including incoming wire detail and pending ACH transactions
  • View up to 13 months of account history as well as pending transactions and available balances
  • 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

Move money where you need to

Make payments and move money with our convenient online features.

  • 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
Cash Management

Keep track of your cash

Get the tools to manage your cash flow.

  • Cash Concentration: Consolidate and monitor funds from multiple business locations and 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

Keep your money safe

Protect your information with industry-leading solutions.

Online Features

Do more online

Explore additional online features and benefits.

  • 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
  • Manage your finances even further by downloading your account history into Intuit® QuickBooks® and Quicken® accounting software using Web Connect
  • Send a message to our Customer Contact Center and receive bank messages through our secure Message Center

People often ask us

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:

Browser requirements

For PC (Windows Vista, Win 7, Win 8, or Win 10)

  • Internet Explorer (IE) 11 and higher
  • Firefox 60 and higher
  • Chrome 73 and higher

For Mac OS

  • Safari 11.0 and higher
  • Firefox 60 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.

TLS settings requirements

TLS, or Transport Layer Security, is a security measure used for internet communications and online banking transactions. As TLS is updated from older to newer versions, it is best practice to disable older versions to prevent vulnerabilities and risks. As a result, First Citizens will not support older versions of TLS. Most computers will automatically access the current version available. However, you may need to adjust your TLS settings.

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 BOB Advantage fee schedule, visit your local branch or call 866-FCB 4BIZ (866-322-4249) between 7 am and 11 pm ET Monday through Saturday for more details.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.