Business Accounts Payable Services

Streamline payables processes, expenses and transactions

ACH Payments

Deposit funds to employee and customer accounts safe and conveniently.

  • Accommodate one-time and recurring deposits
  • Eliminate the cost of generating checks, mail and postage
  • Allow customers to make deposits to their accounts with immediate access to funds
Learn more about ACH payments
Contact us about ACH payments

Real-Time Payments

Send and receive payments in seconds, easily and securely.

  • Same-day payments available 24/7/365
  • Eliminate Eastern Standard Time cutoff restrictions often associated with other payments options such as ACH and wires
  • Make payments and receive funds with immediate access
Learn more about real-time payments
Contact us about real-time payments

Controlled Disbursement

Accurately forecast your daily cash requirements.

  • Get exact dollar amounts of checks that will post
  • Avoid the possibility of overdrafts
  • Fund your account from several sources
Learn more about controlled disbursement
Contact us about controlled disbursement

Purchasing Card

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

  • Set spending controls
  • Reduce administrative costs
  • Analyze spending with online reporting tools
Learn more about the Visa purchasing card
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Wire Transfers

Move funds fast—domestically or internationally.

  • Same-day business funds are available for domestic wires
  • Get same-day business verification
  • Choose from multiple initiation options
Learn more about wire transfers
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Payables FAQ
People often ask us

You can submit an ACH transaction reversal using Commercial Advantage. An ACH reversal must be submitted within 5 days of the settlement date of the original erroneous transaction. To access the ACH reversal function, locate the erroneous transaction in the completed section on the ACH Summary page. Select View for the transaction. Detailed information for the selected transaction is displayed. A Reverse option will also display. To submit a reversal, choose Reverse. If you need additional assistance, select Inquire for the transaction. Enter your question, and then select Send.

A customer service representative will respond to your inquiry within 1 business day. If you're sending files through DES FTP transmission, simply send the reverse entry in a Nacha format. Digital Banking for business customers should contact the Business Engagement Center, 866-FCB 4BIZ (866-322-4249).

Yes. A pre-note transaction may be submitted as a test. A pre-note is a zero-dollar transaction with unique transaction codes. Its intention is to verify both the transit routing and account number of a transaction. If either is incorrect, you'll be notified by a Return Resolution Report. It's recommended that you initiate a pre-note transaction 3 days in advance of a live dollar transaction for first-time accounts.

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

An ACH transfer is an electronic transfer of funds between two bank accounts. It's initiated through the Automated Clearing House network so you can send payments or pay bills quickly, depending on the ACH payment services available at your bank.

ACH transfers and automatic payments are processed securely by either the Federal Reserve or the Clearing House Payments Company, and then funds are moved electronically from one bank to another. ACH payment services generally are offered by banks and other financial institutions and often include same-day processing and detailed reports online.

Accounts Payable Insights
Streamline your business

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The benefits of relationship banking

Instead of treating customers as transactions, relationship banking focuses on individual service.
The key to success with relationship banking is a focus on the individual.
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Tips for choosing a business banking partner

Consider these factors when deciding on a financial partner for your business banking needs.
By opening a business bank account, you'll also start a relationship with a bank to help you achieve different goals as your business grows.
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What to know about authorized signers

It could be time to add an authorized signer to your checking account. Here's how.
As the owner, you can decide whom you'd like to make an authorized signer on a bank account.
explore more small business accounts payable services insights

Normal bank approval applies.

For a list of account details and fees, see our Disclosure of Products and Fees—Business Accounts and Services (PDF).

Real-Time Payment Send is only available in Commercial Advantage Plus and requires the Real-Time Payments module. Other terms, conditions and additional fees apply. Contact your banker or treasury sales officer to learn more about Commercial Advantage. Real-Time Payments Receive recipients must have a bank account that's enabled to receive Real-Time Payments.

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Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

Bank deposit products are offered by First-Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

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