Manage Accounts Receivables

Simplify accounts receivables

ACH Receivables

Receive electronic payments from your customers securely.

  • Accommodate one-time and recurring payments
  • Improve cash forecasting and cash flow
  • Offer convenience to customers and reduce costs

Check Recovery Service

Effectively recover 100% of bad checks.

  • Eliminate the need for in-house collections
  • Online process for funds collection
  • No redeposit or return fees for resubmitting checks

Image Cash Letter

Deposit checks using your existing imaging system.

  • Transmit deposit files online
  • Make paperless check deposits fast and convenient

Electronic Bill Presentment and Payments, or EBPP

Replace paper with online billing and payments.

  • Get paid faster and improve cash flow
  • Reduce costs with less paper, printing and postage
  • Improve customer satisfaction


Integrate online accounts receivable payments into your cash management system.

  • Consolidate payments from multiple online bill processors into a single electronic file
  • Gain faster access to your funds
  • Eliminate duplication of file formats, protocols and stop payment processes

Lockbox Processing

Outsource the collection, processing and posting of payments.

  • Accelerate the collection of receivables
  • Speed up availability of funds
  • Immediate and secure access to remittance images

Remote Image Deposit

Deposit checks remotely for faster processing and extended deposits.

  • Save time and money
  • Extend deposit deadlines
  • Enhance security and accuracy

Let us guide you to the right receivables service

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

merchant services

Payment processing tailored for you

Expand your customer payment options and streamline your operations with our payment solutions.
Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.

People often ask us

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).

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.), a notice will be posted on Commercial Advantage.

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.

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.