Invest how you want, when you want, in real time with Self-Directed Investing.
Being a teen is hard enough. Help us support Teen Cancer America to improve their quality of care.
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
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Let us do the work to collect your funds. Our check recovery services make it easy to resubmit checks and often result in faster collection. Spend less time chasing money from bad checks—and more time focused on your business.
Better cash flow
Improve cash flow from recovered checks.
Daily deposits
Deposits are made automatically every day for collected funds.
Reduce costs
Experience a significant savings of both time and money.
A collection process that's non-intrusive to your customers and reduces your need for making phone calls or incurring collection expenses.
No equipment or software needed, as check recovery services occur online.
No redeposit fees or return fees for resubmitted checks or checks returned a second time.
Eliminate the need for in-house collection efforts.
First Citizens has partnered with Unity FI Solutions to offer Smart Returns™ which recovers 100% of bad check amounts for you—without you making a phone call or incurring collection expenses. Most importantly, this check recovery service is free for our business customers.
Returns
Smart Returns™ converts returned items into an electronic transaction and re-presents it two more times through ACH.
Complimentary service
Your First Citizens account is credited for 100% of the check amount, if the funds are collected, keeping the service complimentary for your business.
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
Treasury & Cash Management
Electronic Bill Presentment & Payment
Investment & Retirement Services
Community Association Banking
Equipment Financing & Leasing
Credit Cards
Merchant Services
Insurance
Email Us
Please select the option that best matches your needs.
Customers with account-related questions who aren't enrolled in Digital Banking or who would prefer to talk with someone can call us directly.
Fill out the form below to connect with us about check recovery services. Fields denoted with an asterisk (*) are required.
If you prefer to speak with someone directly, please give us a call.