Bank account reconciliation

Save time and money reconciling checking accounts

Automate your account reconciliation

Increase efficiency and enhance control in tracking account activity when you automate the account reconciliation process. Choose from three levels of service that help you reconcile deposits and checks—so you can focus on running your business.

Save time

Reduce expenses and save time reconciling checking accounts.

Get faster access

Receive your detailed reconciliation statements online.

Receive alerts

Get status updates on checks with stop payments.

Bank Account Reconciliation Services
Three ways to reconcile

No matter your business, we have a bank reconciliation service that'll work for you.

  • Full reconciliation: Provide information on checks issued, and we'll compare them and give you a report identifying any outstanding checks.
  • Partial reconciliation: Get a consolidated report of checks and ACH payments processed, and consider enhancing fraud prevention by putting Positive Pay to work for you.
  • Deposit reconciliation: Deposit checks at any First Citizens branch or use Remote Deposit Capture, and receive a report listing your deposits, separated by unique location.

How it works
Full reconciliation

Using full bank account reconciliation, you can simply provide us with information on checks issued during the month and we'll compare it with the checks that have been paid.

Reports

We send consolidated reports of paid and unpaid checks and ACH debits and credits, along with category totals. Additional reports are available.

Voided checks

This includes notes for any checks reported as void or canceled during the period.

Useful data

You'll see digital files of paid checks to upload to your bank account reconciliation software.

Fraud protection

Our full reconciliation service is paired with Check Positive Pay to maximize fraud protection.

How it works
Partial reconciliation

With partial bank account reconciliation, information on checks you issue during the month is required.

Reports

Receive a single report listing check numbers, amounts and dates paid for all checks, as well as ACH debits and credits.

Useful data

You'll see digital files of paid checks to upload to your bank account reconciliation software.

How it works
Deposit reconciliation

With deposit bank account reconciliation, you can make single deposits at any First Citizens branch or by using Remote Deposit Capture—saving you both time and money.

Lower costs

Reduce expenses by eliminating multiple deposit accounts and transfers.

Detailed reports

Produce detailed summary deposit reports daily, weekly or monthly—separated by location.

Reconcile faster

Speed up bank account reconciliation by identifying returned deposits and corrections by location.

Online access

Access reports online via the client portal or Data Exchange Service.

FAQ
People often ask us

Bank account reconciliation is the process of ensuring that your bookkeeping balance matches with your bank account balance by comparing both accounts. The idea is to align them and make the records match exactly.

A bank reconciliation report is a summary of your business's banking activity for a specific time frame, usually a month. It's designed to help you reconcile your financial records with your bank account so the balances match exactly.

You can receive your report one of two ways, either via the online client portal or enrolling in Data Exchange Service. Contact your relationship manager for more details.

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.

NMLSR ID 503941