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
Learn more about ACH receivables
Contact us about ACH Receivables

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
Learn more about check recovery
Contact us about check recovery services

Image Cash Letter

Deposit checks using your existing imaging system.

  • Transmit deposit files online
  • Make paperless check deposits fast and convenient
Learn more about image cash letters
Contact us about image cash letters

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
Learn more about electronic bill presentment and payment
Contact us about electronic bill presentment and payments

eReceivables

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
Learn more about eReceivables
Contact us about eReceivables

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
Learn more about lockbox processing
Contact us about lockbox processing

Remote Deposit Capture

Deposit checks remotely for faster processing and extended deposits.

  • Save time and money
  • Extend deposit deadlines
  • Enhance security and accuracy
Learn more about remote deposit capture
Contact us about remote deposit capture

Let us guide you to the right receivables service

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with 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 & transfer money with ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

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.

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.

NMLSR ID 503941