Commercial Cash Services for Business

Simplify cash-handling services with safe, secure solutions

Get security and flexibility with Cash Services

Our integrated cash-handling services gives your business a complete suite of solutions that includes the First Citizens Cash Manager platform for online ordering, vault deposit reporting and multilocation deposit management. We also support Smart Safe for business on-site storage and Cash Vault services for your armored courier service.

Ready to explore Cash Services for your business?

Cash Manager

Complete currency and coin ordering, track vault deposits, manage users, submit armored courier service issues and build reports by location or across the enterprise.

Cash Vault

Cash Vault services are available for multiple locations and include credit for deposits delivered to a secure vault facility and change orders delivered to your business locations by your armored courier services.

Smart Safe Provisional Credit

Eliminate cash-handling costs by making deposits into an on-site safe. Get counterfeit-bill detection and same-day provisional credit posted to your account.

Cash Manager Benefits
Cash handling designed to strengthen security and control

Real-time visibility

Get cash visibility so you can monitor orders and deposits across all locations.

Currency orders

Order currency and coin centrally or by location—no branch visit required.

User access

Manage employee access and permissions, and get an audit trail per transaction.

Incident reporting

Log and track armored carrier issues directly in Cash Manager—no phone calls required.

Who Can Benefit
Who benefits from using cash-handling services?

Our services are ideal for cash-intensive businesses with multiple locations that need secure cash handling, real-time deposit visibility and reduced manual processes. There are several industries that can benefit from using cash-handling services.

  • Quick-service restaurants
  • Franchises and multilocation businesses
  • Municipalities
  • Gaming operations
  • Hemp and cannabis businesses
  • Gas stations and convenience stores
  • Grocery chains
  • Utility companies

Cash Manager

Learn how First Citizens Cash Manager can help optimize your financial operations while mitigating risk.

Watch the First Citizens Cash Manager video

Treasury Management Services

Get to know First Citizens Cash Manager

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Improve monitoring and reporting of cash deposits and orders while increasing productivity and operational efficiencies with First Citizens Cash Manager.

With First Citizens Cash Manager, you can streamline cash orders and deposits to reduce manual processes; view and monitor cash orders and deposits per location to quickly identify discrepancies and prevent cash loss; centralize your armored transportation service management—submit service and incident issues, monitor status, maintain a complete history to resolve problems faster and reduce downtime; review and track vault deposits at a location or corporate level; manage cash-handling services through Cash Manager, get cash flow visibility so you can track deposits across all locations, complete currency and coin ordering online, manage user access and report armored courier issues.

Plus, our experiences treasury management professionals partner with you to understand your goals, challenges and opportunities.

Learn more at firstcitizens.com/tms.

Disclosures

Member FDIC. Subject to credit approval. Additional terms, conditions or fees may apply.

This information is provided for educational purposes only and should not be relied on as accounting, financial planning, investment, legal or tax advice. First Citizens Bank (or its affiliates) neither endorses nor guarantees this information and encourages you to consult a professional for advice applicable to your specific situation. First Citizens Bank and its affiliates are not responsible for the products, services and content for third-party vendors. Any and all third-party trademarks, logos and service marks referenced herein remain the property of their respective owners. MM#18519

Cash-Handling Services FAQ
People often ask us

Our services feature a full suite of solutions that includes Smart Safe, Cash Vault and Cash Manager. They work both independently and together to keep your business's money safe.

  • Cash Manager lets you order and track cash, as well as access reporting tools.
  • Cash Vault provides a secure vault facility with credit for cash transported by an armored courier service that you utilize.
  • Smart Safe stores cash on-site with provisional credit.

A smart safe is a way to securely store your business's cash and monitor money at every step of the cash-handling process. Unlike a regular safe, it's not solely a place to store your business's money. It also automates your cash-handling process, saving you time and protecting your assets.

A smart safe streamlines cash-handling services for your business. Employees deposit cash via PIN-controlled access, the safe counts and records totals automatically and provisional credit posts to your account the same day through Cash Manager and Commercial Advantage.

Once money is deposited, the smart safe counts how much cash is in the safe. We receive a daily report and provide a provisional credit to your business account the same day. You can easily keep track of your balance in Commercial Advantage.

Smart Safe is an automated cash management service that counts, validates and stores cash at your business locations, while Cash Vault is a centralized vault service where your armored courier securely transports and deposits cash.

Yes. In addition to placing cash and currency orders, with Cash Manager you can:

  • Streamline cash orders and deposits to reduce manual processes with self-service cash administration either consolidated or by location
  • View and monitor cash orders and deposits per location to quickly identify discrepancies and prevent cash loss
  • Submit service and incident issues directly to armored transportation providers and monitor their status
  • Review and track vault deposits at a location or corporate level
  • Manage users

Yes. Our suite of services is available to handle cash management at all of your locations.

  • Cash Manager: View and monitor cash orders and vault deposits by location, and create reports by location or at a corporate level.
  • Cash Vault: Use the centralized vault and armored courier service to securely transport and deposit cash.
  • Smart Safe: Let the automated cash management service count, validate and store cash at your business locations.

Treasury Management Insights
Streamline your company

Industry Expertise

Cash flow management is key in manufacturing success

Healthy cash flow management can make manufacturers' operations more stable and streamlined.
Tight production planning and control may prove to be an integral part of cash flow management strategy.

Michelle Chan-Ponder

Area Executive

Treasury Management

Creating a corporate payment strategy

Growth can expose payment inefficiencies that slow operations and decision-making.
When payments are treated as infrastructure instead of an afterthought, they're better positioned to support growth rather than slow it.
Treasury Management

What's new in contactless payments?

Contactless payment technology continues to evolve to meet consumer demand and address security concerns.
Biometric authentication alleviates the need for PIN codes and passwords.
Explore more commercial accounts payables insights

Subject to credit approval.

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

NMLSR ID 503941