Action Item Checklist

Summary of Actions to Take

Here's a summary of all the Action Items covered in the Transition Center. Please review the topics below, and if they impact your services, be sure to take our recommended steps to help ensure a smooth transition to Commercial Advantage. If you use Digital Banking for business instead of Commercial Advantage, please visit our Digital Banking for business transition page.

Access

Friday, July 15

  • Access to your current system ends on Friday, July 15 at 9 pm ET, but some individual treasury management services end earlier. Be sure to review relevant entries for details.
  • Digital access will be unavailable over the weekend of July 16 to 17 as we make the transition to First Citizens, so please plan accordingly.

Monday, July 18

Here's how to log in to Commercial Advantage:

  • All current online banking users will receive an activation email on July 18, which will contain your username and instructions for creating a new password.
  • Be sure to activate your service promptly, because the credentials we email you will expire within 7 days of receipt.
  • Use these credentials to log in at FirstCitizens.com, then follow the simple instructions to create new permanent credentials and activate your Commercial Advantage profile.

View our Profile Manager Quick Reference Guide (PDF) to help you get started. It's just one of the many additional Commercial Advantage resources available to you.

ACH Transactions

Thursday, July 14

  • All ACH transactions that you want to process on your current system must be submitted and approved on Thursday, July 14 by 9:30 pm ET.

Monday, July 18

  • Reestablish all future-dated transactions (one-time or recurring) scheduled for July 18 or after on Commercial Advantage.
  • Many of your ACH templates may require your immediate attention. Please see the action items in the Templates section.
  • View our ACH Payments Quick Reference Guide (PDF) for an overview of our process. It's just one of the many additional ACH resources available to you.

See the NACHA File Specs (PDF) for full details about the required NACHA file changes for ACH Originators.

File Header Record – (Number ONE Record)

  • Immediate Destination (Positions 5 to 13) requires FCB routing number, 053100300
  • Immediate Origin (Positions 15 to 23) requires your nine-digit Tax ID number
  • Immediate Destination Name (Positions 41 to 63): First Citizens Bank

Company/Batch Header Record – (Number FIVE Record)

  • Company ID (Positions 41 to 50) requires your FCB ACH Company ID number, which remains the same
  • Originating DFI ID (Positions 80 to 87) requires FCB routing number, 053100300

Account Reconciliation

After Monday, July 18

  • Look for Full Account Reconciliations to arrive monthly via paper statements. In addition, an electronic file of your paid checks and outstanding check issues may be delivered monthly through our direct transmission application, Data Exchange Service, if you're enrolled.

Alerts

By Friday, July 15

  • Make note of your current account and service alerts, which won't transfer to Commercial Advantage.

Monday, July 18

Bill Pay

By Friday, July 15

  • You can continue to process Bill Pay orders on your current system until 9 pm ET, but any future or recurring payments scheduled after this date can no longer be honored.

Monday, July 18

  • Reestablish all scheduled or recurring payments beginning on this date.

Cash Vault

Wednesday, July 13

  • Last day to use current CIT deposit tickets.

Before Friday, July 15

  • We'll contact you via email regarding procedural changes in deposit preparation and cash vault locations.

CD-ROM Check Imaging

After Monday, July 18

  • Continue to review images of paid checks and bank statements on CD-ROM. However, you should plan to view images of deposit tickets and deposited items online via Commercial Advantage.
  • Watch your mail for a new encryption key, which will arrive within your first 2 weeks of service.
  • For details, see our CD-ROM Imaging Quick Reference Guide (PDF).

Entitlements

By Friday, July 15

  • Review and update your account and user entitlements, which will transition to Commercial Advantage automatically.

Monday, July 18

Internal Transfers

By Friday, July 15

  • Make note of your one-time or recurring transfers on the current system, which will end at close of business on Friday, July 15.

Monday, July 18

  • Reestablish your one-time or recurring transfers in Commercial Advantage.

Lockbox Services

Before Friday, July 15

  • If you currently use Commercial Advantage to access your Lockbox Services, your Company ID and Operator ID will be provided to you via email prior to conversion.
  • You'll be able to access Lockbox Services via FirstCitizens.com. Select Log In in the upper right corner, select Other Services then select Lockbox - Online Treasury Solutions.

Mobile Banking

Beginning Monday, July 18

  • Download the free Commercial Advantage mobile app and activate mobile access using the new permanent credentials you have established with us online—see the previous Access action item section for log in instructions.
  • Review the Mobile Banking Quick Reference Guide (PDF).

Positive Pay

By Friday, July 15

  • Save any custom mapping files for Check Positive Pay on your current system so you can recreate them on Commercial Advantage.
  • On Friday, continue to submit your electronic files and decision your items just as you normally would.
  • Review our helpful video, Handling Exceptions During Transition.

Monday, July 18

  • Recreate any custom mapping files using Commercial Advantage.
  • Your Check and Reverse Positive Pay exception items from Friday will become available for decisioning at First Citizens.
  • Review our videos and guides for Positive Pay.

Remote Deposit Capture

ASAP

Confirm that you have a supported scanner listed below:

  • Digital Check TS240
  • Digital Check CX-3
  • Panini My Vision X
  • Panini I:Deal

If not, please contact our Client Banking Services team at 888-984-7692, Monday through Friday, 8 am to 9 pm ET. We'll arrange to supply a supported scanner. Please allow 1 week for delivery.

Monday, July 18

Reporting

Monday, July 18

Templates

By Friday, July 15

  • Please take screenshots of your current templates for reference.
  • At your earliest opportunity, remove these special characters from your templates to facilitate a smooth transfer:

    : ; < = > ? @ [ ] ^ _ ` { } ~ | \ #

Monday, July 18

Most templates will transition to Commercial Advantage. However, they may need your attention for several reasons:

Transaction History

By Friday, July 15

  • If you need past statements or account records beyond the last 13 months, be sure to save them from your current system.

Monday, July 18

  • Your last 13 months of statements will transfer automatically to Commercial Advantage.
  • Your last 90 days of transaction history will automatically transfer to Commercial Advantage.
  • Historical records going back 7 years are available upon request.

Wires

By Wednesday, July 13

  • The final date and time to process an FX wire from BeB is Wednesday, July 13 by 6 pm ET. You'll be able to submit new FX wire requests in Commercial Advantage beginning Monday, July 18.

By Friday, July 15

  • Make copies of your templates to simplify any adjustments that may be necessary following the transition to First Citizens. See the previous Templates action item section for details.
  • Note the alerts you currently use for domestic and international wires so you can reestablish them at First Citizens.

Monday, July 18

Quicken®, QuickBooks®, Mint®

By Friday, July 15

  • Review and follow the conversion instructions in our Intuit Transition Guide (PDF).
  • You must disconnect ALL current accounts connected to Intuit, even if all aren't actively used. Complete disconnection is required to reconnect on day one.
  • Note that there may be tasks you'll need to do on your current system before service ends—so please plan accordingly.

By Monday, July 18

  • Review the instructions again for next steps to reconnect all accounts that apply. Remember, ALL accounts must have been disconnected to properly reconnect services.
  • For assistance, please contact Intuit at 800-446-8848 9 am to 9 pm ET and Saturday 9 am to 6 pm ET.

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