ach receivables

Receive payments that are fast and secure

Flexibility

Create single and recurring accounts receivable receipts.

Fewer returns

Reduce the number of returned checks you receive.

Faster payments

Receive your payments faster and reduce float.

Benefits of ACH Receivables

Fast and secure

Convenience

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

Better forecasting

Improve cash outlook and create stronger cash flow.

Detailed reporting

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

Helpful ACH receivables resources

Automatic drafting FAQ

Frequently asked questions for ACH Automatic Drafting.

National ACH website

Get the latest news, events and education related to ACH receivables at 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 accounts.

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

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

FAQ

People often ask us

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 payment services and ACH templates videos on our Video Tutorials page.

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 Nacha website (Section VII Appendices) for Sample Authorization for Direct Deposit through ACH (Credits) for more information.

If you're assigned the Manage Template and Recipient rights, you can edit or delete a recipient template. View steps to do this for the different ACH transaction types in our Digital Banking for Business User Guide. Or you can watch the ACH payments and ACH templates videos on our Video Tutorials page.

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.

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.

NMLSR ID 503941