TREASURY MANAGEMENT TRANSITION CENTER

Leverage your current imaging systems to handle your deposits.

• Save time and expense when processing business and consumer checks
• Secure transmissions with real-time notifications of receipt
• Specially formatted X9.37 deposit files fine-tuned by our specialists to optimize connection speeds

Reduce in-house mail and payment processing costs.

• Retail Lockbox Services help you collect large volumes of repetitive consumer payments that are accompanied by a scannable document or coupon
• Property Management Lockbox helps management companies that have multiple locations collect large volumes of consumer payments that are accompanied by a scannable remittance document or coupon

Receive your consumer bill payments electronically.

• Eliminate the time and effort involved in processing paper checks or individual online payments
• Consolidate payments from multiple sources
• Gain faster access to funds with a single daily credit to your account
• Cut costs by eliminating checks and unnecessary labor

Gain new simplicity and security in handling your cash receipts.

• No more daily bank visits and no more sorting, counting, balancing and reconciling your cash
• Deposit your currency into an on-premises physical safe with electronic currency validation
• Our preferred courier validates the daily totals, and you get provisional credit to your account the same business day—excluding weekends and bank holidays

Recover 100% of many bad checks, free of charge.

• We partner with Unity Fi Solutions to offer Smart Returns™, which converts returned items into an electronic transaction and re-presents them two more times through ACH
• You keep 100% of the check amount if the funds are collected, with no phone calls or collection expenses

Get paid faster while making the payment process easier for your customers.

• This highly secure online service provides a customizable website where you can present bills to clients and receive their payments
• Replace your paper billing with a process that reduces cost, enhances accuracy and improves your customer experience

Improve your efficiency and your reporting on ACH transactions.

• Use Electronic Data Interchange, or EDI, addenda to accelerate your payment services
• Ensure timely ACH payments and deposits within one banking day, while avoiding manual processing errors
• We convert EDI codes into easy-to-read text, giving your complete payment information for each transaction

Gain new control over your business purchasing.

• Simplify the purchasing process for your company and employees
• Reduce administrative costs for purchase orders, invoices and checks
• Monitor purchases and card activity more easily
• Reduce the risk of fraud and costly mistakes that can happen when using paper checks

Advanced card processing solutions for every type of business.

• Accept cards in person, online or via invoicing—24/7
• View transactions in real time
• Next-day funding for Visa®, MasterCard®, Discover® and American Express® into your First Citizens deposit account