Commercial Advantage

Manage business finances with our robust, online services

Account Management

Data at your fingertips

Quickly access and manage your business accounts on the go with our Commercial 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
  • 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.

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
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 with a banker at your local branch. If you don't already have a First Citizens business checking account, we'll help you set up your account, too.

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. Visit your local branch or call 866-FCB 4BIZ (866-322-4249) between 8 am and 9 pm ET Monday through Friday for more 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)

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