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First Citizens Business Online Banking or BOB Advantage provides secure 24/7 access to your accounts along with easy-to-use features to help you manage your business. Let's take a closer look at how BOB Advantage makes it simple to manage your business finances. To maintain the highest level of security available, First Citizens leverages a multi-layer security approach and provides advanced online verification tools to protect your business against viruses and other malware.

In addition to providing easy access to your accounts, messages and alerts BOB Advantages intuitive interface allows you to quickly navigate to all the great tools and features available online. You can customize your home page to display just the information that's important to you and change the layout to meet your needs.

BOB Advantage also gives you the freedom to set up individual user preferences as well as choose which account alerts you would like to receive and how you would like to receive them.

For ease and simplicity, BOB Advantage provides a consolidated view of you accounts with the ability to navigate down to individual accounts. BOB Advantages account balance feature provides a summary view of all of your accounts on a single screen including deposit accounts, loans and lines of credit. You can navigate easily between previous day and intraday account information including your current available balance as well as view pending ACH and wire transactions and submit an inquiry, if needed.

Locating specific transactions is fast and hassle-free using the integrated transaction search engine that displays results complete with front and back. Check images view up to 13 months of transaction history for any account with just a few clicks then export the results in your desired format, such as QuickBooks or bai2. Viewing an account statement is just as simple at any time you can print or save a copy for your records with BOB Advantage you can quickly transfer funds between your accounts on a one-time or recurring basis Detailed information for all completed transfers is available in your transfer summary when you're not sure if a check has been paid. Use the check inquiry function to find out if needed. You can request a stop payment by filling out the streamlined form

Company administrators enjoy instant access to administrative tools that make it simple to add new users grant permissions and manage all other company services from one secure location.

BOB Advantage also enables you to help prevent check fraud with positive pay. manage exceptions quickly and efficiently. With the click of a button you can upload a check issue file that you've prepared or use BOB Advantage to build a file monitoring and approving pending. ACH transactions has never been easier using the point-and-click menus. You can review exceptions and submit pay or return decisions with the option to add a recurring authorization to automatically approve future payments.

BOB Advantage also makes it simple to create and generate a wide variety of balance and transaction reports with the ability to export them in several formats. Create and send ACH payments such as payroll and automatic drafts by uploading nacho compatible files or create a new ACH transaction with BOB advantages integrated ACH batch for your convenience.

BOB Advantage supports both state and federal tax payments designed to accommodate all of your business banking needs. BOB Advantage allows you to view create and send US or international wires as well as billed wire templates. To facilitate frequently occurring payments you can also view completed cash concentration transactions and create new deposits or disbursements to various locations on the fly.

BOB Advantage from First Citizens makes managing your business easier than ever before to learn more contact us today.