Check Recovery

Recover 100% of bad checks

Better Cash Flow

Improve cash flow from recovered checks.

Daily Deposits

Deposits are made automatically, every day for collected funds.

Reduce Costs

Significant savings of both time and money.

benefits

Your time is valuable

Non-intrusive

A collection process that's non-intrusive to your customers and reduces your need for making phone calls or incurring collection expenses.

Online recovery

No equipment or software needed, as check recovery services occur online.

No fees

No redeposit fees or return fees for resubmitted checks or checks returned a second time.

Reduce effort

Eliminate the need for in-house collection efforts.

how it works

Automate the recovery process

First Citizens has partnered with Smart Returns™ to recover 100% of bad check amounts for you—without you making a phone call or incurring collection expenses. Most importantly, this 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.

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

Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.

Normal bank approval applies.  

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.