Commercial Advantage

Manage business finances with our robust, online services

User & Account Management
Control at your fingertips

Quickly access and manage your company and user profiles with Commercial Advantage.

  • Establish customized account access and approval limits
  • Easily access user activity
  • Save time when setting up a new employee with role-based users
  • Take advantage of flexible permission options to get the utmost control—no matter the size of your business
  • Establish multiple users with varying authority levels to give your most trusted employees access they need, with advanced user and group management settings

Information Reporting
Manage and track your cash

Get tools to access details and manage your cash flow.

  • View recent activity, including current day reporting details
  • See up to 13 months of account history, as well as pending transactions and available balances
  • View paid and returned checks and 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
  • Generate, view, print, save and export a variety of balance, transaction and payment reports
  • Accurately forecast and manage your daily cash requirements with controlled disbursement

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
  • Originate ACH transactions for payroll deposits, direct debits to collect funds or make payments to other companies
  • Initiate domestic and international wire transfers with USD or foreign exchange
  • Leverage your host-to-host platform to automatically send payments using payment automation to process ACH, domestic wire, check issue and account transfers
  • Draw funds from your line of credit or commercial loanD
  • Make federal and state tax payments
  • Manage and pay bills easily using our online bill pay service

Security and Fraud Prevention
Keep your money safe

Protect your information with industry-leading solutions.

  • Get enhanced security when sending ACH and wire transactions with Commercial Advantage transaction authentication
  • Prevent electronic fraud by monitoring or screening ACH transactions with ACH Positive Pay
  • Protect against fraudulent checks with Check Positive Pay or Reverse Positive Pay
  • Create approval workflows for your business to protect the integrity of your online payments, transfers and user maintenance
  • Receive account and security alerts to help you manage your money and monitor your accounts at all times

Online Features
Do more online

Explore additional online features and benefits.

  • Access in-platform support with our online help center or by chatting with a live associate
  • Customize your experience with flexible widgets tailored to your business needs
  • Manage your finances even further by downloading your account history into Intuit QuickBooks® and Quicken® accounting software using Web Connect

Mobile banking app
Download our app today

Take care of everything—wherever your business takes you. Quickly access your Commercial Advantage accounts through our powerful mobile app.

  • Get it for all iOS and Android devices
  • Use multi-factor authentication, or MFA, for a safe and secure mobile experience
  • Deposit checks using your mobile remote deposit capture feature
  • Register your device for quicker login access
Visit the App Store to download our app , Opens in a new tab
Visit Google Play to download our app , Opens in a new tab

FAQ
People often ask us

Commercial 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. Commercial 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 the click of a button you can access most of the available services.

Talk to a banker for assistance.

The basic Commercial 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. Talk to a banker for details.

Commercial Advantage Customer Agreement (PDF)

Agreement for Automated Clearing House (ACH) Services (Commercial Advantage version) (PDF)

Commercial Advantage Wire Transfer Authorization and Agreement (PDF)

Subject to availability.

Quicken and QuickBooks are registered trademarks of Intuit, Inc. First Citizens Bank is not affiliated or associated with Intuit, Inc.

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

NMLSR ID 503941