Convenience
Use our secure online transfer system to transmit checks for deposit to First Citizens for clearing. Images transmitted and confirmed by 10 pm ET are posted for next business-day availability.D
Control your portfolio
Invest how you want, when you want, in real time with Self-Directed Investing.
Prepare your business for what's next in 2026
Get actionable strategies and insights to strengthen your business's financial resilience in the changing economic landscape.
See how we're supporting companies
We're committed to serving companies as they expand and succeed. The proof is in our success stories.
April Market Update: Available now
Phillip and Blake explore topics impacting markets and the economy, including conflict in the Middle East, inflation and artificial intelligence.
Manage your cash flow better and get money in your account quicker. Image cash letter services allow you to scan and deposit checks, money orders and cashier's check electronically—without ever leaving your office.
Increase efficiency
Electronic check deposits give you more time for other tasks.
Reduce costs
Transmit deposit files online when you're ready, saving you money.
Maintain service
Leverage existing services to capture and transmit checks for processing.
Use our secure online transfer system to transmit checks for deposit to First Citizens for clearing. Images transmitted and confirmed by 10 pm ET are posted for next business-day availability.D
Image cash letter, or ICL, processing lets you transmit deposit files to First Citizens securely.
Our experienced specialists help you select the best file specs and connection options, as well as help you develop and test best formats for your transmissions.
Receive email notifications once deposits are received and processed.
Normal bank approval applies.
Subject to the bank's Funds Availability Policy.
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.
Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.
Bank deposit products are offered by First-Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.
NMLSR ID 503941
Treasury & Cash Management
Electronic Bill Presentment & Payment
Investment & Retirement Services
Community Association Banking
Equipment Financing & Leasing
Credit Cards
Merchant Services
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.
You are now leaving First Citizens Bank
You are leaving FirstCitizens.com and will be routed to a third-party website that has a different privacy policy than our own. First Citizens Bank and its affiliates are not responsible for the privacy practices, products, services and content on these third-party websites.
You are now leaving First Citizens Bank
You have left FirstCitizens.com. Online brokerage offered by First Citizens Wealth™ is provided through this third-party website which has a different privacy policy than our own. First Citizens Bank and its affiliates are not responsible for the privacy and security practices on third-party websites. To review First Citizens' Privacy and Security practices, visit https://www.firstcitizens.com/privacy-security.
Fill out the form below to connect with us about image cash letter services. Fields denoted with an asterisk (*) are required.
If you prefer to speak with someone directly, please give us a call.