Treasury Management

Manage your cash flow more effectively

Our experienced treasury management professionals work with you to understand your business, goals and to deliver personalized solutions that meet your day-to-day needs. We work to help you understand and to identify unique challenges your business may face and the objectives you want to achieve.

Choose from a variety of tools, advice and Treasury Management Solutions including ACH services, fraud prevention, payables and receivables.


Keep your business moving forward by streamlining processes, expenses and transactions.

  • Deposit funds faster with our ACH services
  • Simplify invoice processing with automated payables
  • Accurately forecast and manage your daily cash requirements with controlled disbursement


Optimize your cash flow by simplifying account receivables with traditional or electronic methods.

  • Collect payments quickly and securely
  • Recover 100% of the amount for bad checks
  • Accept online bill payments from anywhere, anytime

Liquidity Management

Put idle funds to work for your business in interest-bearing accounts and invest, minimize interest or pay down debt.

  • Automatically invest available cash balances
  • Keep excess cash in your business checking account working around the clock
  • Maximize your interest income by sweepingD funds from your checking account into an overnight investment vehicle

Reporting and Reconciliation

View collections, payments and other details in a way that's designed to suit your needs.

  • Automatically reconcile all checks paid against your First Citizens account
  • Search and sort your canceled checks
  • Easily and securely trade electronic files

Fraud Prevention

Implement the latest fraud prevention tools to protect your business accounts against suspicious activity.

  • Protect your business accounts from electronic fraud
  • Shield your business from check fraud
  • Detect suspicious check activity

Payment Acceptance

Get payment processing services tailored to how you do business.

  • Expand your customers' payment options and streamline your operations
  • Access transactions and reports in real time
  • Leverage sales-level data to reinforce marketing, operations and staffing decisions

ACH Services

Keep employees and customers happy with swift, secure electronic deposits.

  • Make deposits easy and seamless
  • Cut costs associated with checks and postage
  • Keep transactions secure

Purchasing Card

Simplify business purchases, reduce paperwork and monitor expenses.

  • Set your spending controls
  • Reduce administrative costs
  • Analyze spending with online reporting tools

Zero Balance Accounts

Money that works for your business.

  • Eliminate manual transfers between accounts
  • Maintain separate accounts for internal auditing and accounting
  • Maintain balances in a single account for efficient utilization

Information Management Services

Our secure products and services help digitally manage your business data.

  • Efficiently manage your business
  • Improve accounting and reconciliation accuracy
  • Securely exchange electronic data files

We're here to help with whatever you need

Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.

Normal bank approval applies.  

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value.  They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results.

First Citizens Wealth Management is a registered trademark of First Citizens BancShares, Inc. First Citizens Wealth Management products and services are offered by First-Citizens Bank & Trust Company, Member FDIC; First Citizens Investor Services, Inc., Member FINRA and SIPC, an SEC-registered broker-dealer and investment advisor; and First Citizens Asset Management, Inc., an SEC-registered investment advisor.

Brokerage and investment advisory services are offered through First Citizens Investor Services, Inc., Member FINRA and SIPC. First Citizens Asset Management, Inc. provides investment advisory services.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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