Business Accounts Payable Services

Streamline processes, expenses and transactions

ACH Payments

Deposit funds to employee and customer accounts safe and conveniently.

  • Accommodate one-time and recurring deposits for several needs
  • Eliminate costs of generating checks, mail and postage
  • Allow customers to deposit funds into their accounts with immediate access to funds

Automated Payables

Take control over cash flow by automating your account payables invoice and payment processing.

  • Capture invoice information automatically
  • Customize invoice and payment workflows
  • Route, approve and process payments faster

Controlled Disbursement

Accurately forecast your daily cash requirements.

  • Get exact dollar amounts of checks that will post
  • Avoid possibility of overdrafts
  • Fund your account from several sources

Purchasing Card

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

  • Set your spending controls
  • Reduce administrative costs
  • Analyze spending with online reporting tools

Wire Transfers

Move funds fast—domestically or internationally.

  • Same-day business funds available for domestic wires
  • Same-day business verification
  • Multiple initiation options
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

Purchasing Card

Control business expenses

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

Earn more from your business

Make business purchases count with bonus points.
FAQ

People often ask us

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 Nacha.org 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.

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 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 Business Support, 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.

Accounts Payable Insights

Streamline your business

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.