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This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
Gain control of your payments and reduce the risk of overdraft charges. With a controlled disbursement account, you can optimize your cash flow and improve controls—all while achieving your business goals.
Forecast daily
Accurately forecast daily cash requirements, helping to reduce idle balances.
Increase efficiency
Use controlled disbursement funds to help increase investment income or reduce borrowing costs.
Explore options
Take advantage of flexible funding options that can help reduce transfer charges.
Get notified early and improve control of your cash position, reducing the possibility of overdrafts.
Our team communicates with you daily about checks posting that night to your account. Your funding options include wire transfers and transfers from another First Citizens account.
Our controlled disbursement account service helps you reduce costs, avoid unnecessary charges and use funds more efficiently.
Manage your accounts from anywhere
Send & transfer money with ACH and wires
Receive account and security alerts
Manage your accounts from anywhere
Send & transfer money with ACH and wires
Receive account and security alerts
A controlled disbursement account allows a business to choose which checks will post to its account each day. It helps control payments and cash flow—giving the business the ability to avoid overdrafts, manage investments and pay down debt.
Each day, the total amount of a business's checks to be cleared is transferred to its controlled disbursement account, allowing the business to use the remaining funds in its operating account for other purposes. The business can choose to leave assets that earn higher interest in place for a longer period of time to continue generating profits, while assets that earn lower interest can be used for short-term payment needs.
Both accounts are types of business checking accounts that optimize cash flow. A zero balance account is a type of sweep account that always has a balance of zero at the end of the day. A controlled disbursement account provides early notification of checks to the cash manager.
Normal bank approval applies.
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