ach receivables

Receive payments that are fast and secure

Flexible

Create single and recurring AR receipts from ACH transactions.

Fewer Returns

Reduce the number of returned checks.

Get Paid Fast

Receive your payments faster and reduce float.

benefits

Fast and secure

Convenience

Allow customers to quickly and easily make payments, providing convenience while reducing their costs.

Better forecasting

Improve cash outlook and create better cash flow.

Detailed reporting

Provide detailed reporting for any transaction returned or incorrect information sent.

Helpful resources

Automatic drafting FAQ

Frequently asked questions for ACH Automatic Drafting.

National ACH website

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

how it works

Simplify your receipts

ACH Receivables is a secure and convenient way for your business or customers, in any industry, to electronically receive bill payments.

Authorize

Obtain authorization from customers or employees to debit their account.

Initiate

Initiate drafts through Digital Banking, Commercial Advantage, or directly using Financial Data Exchange in batches or as a single item.

Process

We process drafts to the designated financial institution, debiting your customer’s account.

Settle

We credit your account for the draft the day we receive the funds.

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

Learn more about business digital banking
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

Learn more about business digital banking
Remote Deposit Capture

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Learn more about Remote Deposit Capture
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.
Learn more about First Citizens Business Rewards Visa Card
FAQ

People often ask us

An ACH payment is a type of electronic credit or debit payment initiated through the Automated Clearing House Network. The payment can be initiated between two banks or between two bank accounts that are held by the same bank.

Various types of payment methods are offered through Digital Banking for business. Detailed steps on the different ACH transaction types can be found in our Digital Banking for Business User Guide. You can learn more by watching the ACH payments and ACH templates videos on our Video Tutorials page.

If you're assigned the Manage Template and Recipient rights, you can edit or delete a recipient template. Detailed steps on the different ACH transaction types can be found in our Digital Banking for Business User Guide. You can learn more by watching the ACH payments and ACH templates videos on our Video Tutorials page.

After a payment has processed and cleared, you can't make changes to that transaction. Detailed steps on the different ACH transaction types can be found in our Digital Banking for Business User Guide. You can learn more by watching the ACH payments and ACH templates videos on our Video Tutorials page.

An ACH number is similar to an ABA routing number. The difference is that an ACH number is used for electronic transactions.

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.