ach payments (disbursements)

Process payments automatically and securely


Create single and recurring deposits for ACH payments like payroll, suppliers and taxes.

Reduce Costs

Eliminate costs for generating checks, mail and postage.

Simple Deposits

Allow customers to quickly and easily make deposits.


Fast and secure

Speed up deposits

Open the door to faster deposits with same day ACH. Same-day clearing and settlement of ACH transactions provides faster funds availability.

Online access

Disburse payments securely online for payroll, reimbursements, tax and other refunds, annuities and interest payments.

Detailed reporting

Provide detailed reporting for any credit returned or incorrect information.

Helpful resources

ACH direct deposit FAQ

Frequently asked questions for ACH direct deposits.

National ACH website

Get the latest news, events and education for all things ACH-related on

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Purchasing Card

Control business expenses

Simplify business purchases, reduce paperwork and monitor expenses with the First Citizens Visa Purchasing Card.
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.

People often ask us

The ACH Return Resolution report information is available and accessible through the Business Online Banking Advantage® (BOB Advantage®) by choosing the "Reporting" section. The Return Resolution report is a critical part of being able to process our Direct Deposits. On a daily basis, these reports will detail any transaction that was returned to you and you have not received your credit. It will also show any account information that has changed or is no longer valid. To access the report, select either the Standard or Custom ACH Report option located under Bank Reporting on the Account Management Reports page. Your Return Resolution and Notification of Change Reports are accessible for 14 calendar days.

As part of your ACH Agreement with First Citizens, you're required to stay abreast of industry changes. We recommend you become a member of your local ACH Regional Association (E Pay Resources on the east coast) or reference for ACH rules changes. Often, when changes occur that significantly affect your ability to originate your ACH file (payroll, taxes etc.), a notice will be posted on BOB Advantage.

Yes. ACH Training is provided to customers upon request. If you need ACH training, please contact First Citizens Business Central at 866-FCB-4BIZ (866-322-4249, option 7) to schedule a training date.

First Citizens adheres to our ACH Operator processing guidelines which are recommended to ensure timely delivery. Business clients can enroll for same day ACH processing.

You must receive authorization from your employees or customers to obtain the information needed to deposit funds into their checking and savings accounts for payroll, employee expense reimbursement, government benefits, taxes, other refunds, annuities and interest payments. Please reference the National ACH website (Section VII Appendices) for Sample Authorization for Direct Deposit through ACH (Credits) for more information.

Normal bank approval applies.  

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.