ach receivables

Receive payments that are fast and secure


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.


Fast and secure


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

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.


Obtain authorization from customers or employees to debit their account.


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


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


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

Remote Deposit Capture

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.

People often ask us

Although we recommend submitting your Direct Deposit file 2 days prior to the employee payday to ensure timely delivery, ACH credit and debit files can be submitted 1 day prior to the effective date. Business clients can also enroll for Same Day ACH processing. An additional per-item fee may apply for Same Day ACH processing.

An ACH Return report provides details about ACH transactions you have initiated that have been returned by the receiving bank. The report includes why the transaction was returned (Return Reason), account number, name, individual ID and dollar amount associated with the returned transaction. You may also receive a Notification of Change (NOC) report, which is sent by the receiving bank requesting that future entries contain the correct information. The correct information is provided to you in the NOC report. We encourage you to subscribe to the e.Statements/ACH activity alert to ensure you are aware if an ACH return or NOC report requires your attention.

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 visit for ACH rules changes. Often, when changes occur that significantly affect your ability to originate your ACH file (payroll, taxes etc.), we'll notify you.

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.

The ACH Activity report provides details of transactions that have been returned to you with a reason for the return or Notifications of Change that require your attention. These reports are available for 65 business days for you to review. We encourage you to subscribe to the ACH Return or Notification of Change alert to receive an email when action is required by you.

Normal bank approval applies.

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