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
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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
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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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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
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 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.

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

Normal bank approval applies.

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NMLSR ID 503941