Payments and transfers
Explore our interactive Digital Banking User Guide
Getting started
You can easily enroll in Digital Banking for Business by visiting your local branch. You'll need an active First Citizens business account to get started.
You can access First Citizens Digital Banking for Business with an internet connection and a supported web browser or our mobile banking app. We recommend you use the most up-to-date versions of Microsoft Edge, Google Chrome, Mozilla Firefox or Apple Safari, but we also support the previous two major versions.
Note: Earlier versions of browsers and operating systems may still be able to access Digital Banking. However, certain features may not display or function correctly. Additional bug fixes and security enhancements may not be available on older versions.
When logging in to Digital Banking for the first time, visit our homepage and select First Time Log In from the login box or select the New User Log In link from the mobile app login screen. Enter the login ID you selected when you opened your account and follow the steps to receive and enter your one-time secure access code.
If you'll be using the device regularly, we recommend selecting Register Device to avoid entering a temporary secure access code every time you log in.
Yes. The first time you log in from a new device, you'll receive a one-time secure access code. If the device you're using is a computer you use often and always physically control, you may choose to register it. Then whenever you log in, you'll be recognized on the computer.
Remember to register only on devices you trust to keep your data secure. Registering a public computer puts your security at risk, as anyone who uses that computer after you may be able to access your account.
You can easily order checks through First Citizens Digital Banking for Business. After logging in, navigate to the Service Center in the main menu, then select Order Checks.
Yes. You can easily request a copy of a check through First Citizens Digital Banking for Business. After logging in, navigate to the Service Center in the main menu, then select Request Check Copy.
Yes. You can easily request to stop payment on a check in First Citizens Digital Banking for Business. After logging in, navigate to the Service Center in the main menu and select Stop Payment. There's a $23 fee for stop payments of physical checks.
You can use our routing number finder by selecting the state where you opened your account. Routing numbers are often referred to as check routing numbers, ABA numbers or routing transit numbers, or RTNs.
You can also find your routing and account numbers in Digital Banking for Business. Select the account you want to see, then navigate to the Details and Settings tab. Look for Routing and Account Numbers, then select Click Here to view the information for that account.
You can also find your routing number by using the link provided on our Customer Support page.
You can find your tax documents in Digital Banking for Business. After logging in, navigate to the Statements & Documents link, then select Tax Documents. From here, you can select and view all available tax documents for your business accounts.
Your Digital Banking app should work outside of the US as long as your mobile service provider has internet service in the country you're visiting. However, First Citizens makes no guarantees about international coverage or availability. Check with your carrier for more information about international service coverage, roaming charges, internet access, and message and data charges.
Generally, yes. Transaction history and balances for most of your First Citizens business accounts are shown in real time.
Alerts and notifications
You can choose to receive a variety of email and text alerts to keep tabs on your account as a whole. Just log in to Digital Banking for Business and select Alerts to enroll in specific alerts.
Digital Banking for Business offers the following alert types:
- Account alerts help you keep tabs on your account balance and transactions.
- Card alerts help you keep tabs on your card balance and transactions, including credit card payment reminders, international transaction alerts and card-not-present transaction alerts.
- Online security alerts help you keep tabs on your profile so you can ensure your information stays secure. These alerts can notify you when your profile is accessed—or attempts are made to access it—or when changes to your profile are made.
A secure message is a correspondence between you and First Citizens through the Message Center in Digital Banking for Business. You can send us a message if you have a question, encounter an issue or have general feedback. A representative will respond within 2 business days.
Secure messages and certain alerts are delivered in real time. However, there are some alerts—like a daily balance summary and balance over or under alert—that are sent each morning.
Security alerts are real-time emails or text alerts that tell you when your account has been accessed, when there's an attempt to change your login ID or password, or when changes are made to your profile. To learn more, log in to Digital Banking and select Alerts, then Security Alerts, or visit the Alerts page.
Common troubleshooting
There are several reasons you may need to request a secure access code each time you log in to your Digital Banking for Business account.
- You may need to register your device. If you're using your personal computer or device, we recommend that you select Register Device to avoid receiving the prompt for a secure access code each time you log in. Requesting your secure access code by text is the quickest way to receive your code.
- Your browser is set to clear cookies each time it closes. If this is the case, your browser will clear the registration and you'll have to register your device each time you log in. Check your browser settings, and make sure allows cookies to be stored.
- You log in with a different browser on a registered computer. If you use multiple browsers—e.g. Chrome and Edge—your device will need to be registered in each browser.
- You've deleted and reinstalled the mobile banking app. You'll need to re-register your device the first time you log in after reinstalling the app.
- The browser was closed prior to completing your login. Make sure you log in fully to complete registration, and don't close your browser before reaching the Accounts Overview page.
- Your antivirus software is set to clear cookies. The antivirus software installed on your device may delete cookies each time you log out of Digital Banking.
- Registrations have been reset for all users. At times, we may reset all users' active registrations for security reasons.
If you're able to log in to Digital Banking for Business: After you've logged in, select Profile and Preferences from the left navigation menu and then select Log In Preferences. From this page, you can change your login ID, password and secure delivery method—the way you'll receive your one-time secure access code. If you're in the Digital Banking app, you can also manage facial recognition, fingerprint and 4-digit PIN access.
If you're unable to log in to Digital Banking for Business: You can change your login ID and password by selecting the Forgot ID/Password? link in our login box or by selecting the Forgot Password? or Forgot Login ID? links from the mobile app login screen. You'll need your account number, Social Security number or Tax ID, and the email address on file in Digital Banking for Business. When changing your login ID or password, please follow these guidelines.
- Login IDs must have 6 to 14 characters.
- Your login ID can't be the same as your password.
- Passwords are case sensitive and must have 8 to 72 characters, including at least one uppercase letter, one number and one special character.
If you're still unable to log in after following these steps, please contact us to reset your credentials.
As a security precaution, entering an incorrect password too many times will result in you being unable to access Digital Banking. If you get locked out, please give us a call.
To log in for the first time or register your device, you'll need to have access to at least one of your preferred contact methods—phone number or SMS text number—to receive a one-time secure access code. If you don't have access and need immediate assistance, please give us a call or visit your local branch.
It's recommended that you review your profile and contact information on a regular basis to ensure that your preferred method of contact is provided within the system.
It's likely that the pop-up box containing your statement is being blocked by a pop-up blocker or a toolbar pop-up blocker. Make sure you've allowed pop-ups for Digital Banking for Business in your browser settings. You can disable the pop-up blocker or add Digital Banking for Business as an allowed site. If you still can't see your statement, please make sure you have Adobe Acrobat Reader installed on your computer.
Account management
To manage employee credit cards, log in to Digital Banking, select Card Management, then select Manage Employee Cards. This allows you to open and close employee credit cards and adjust spending limits.
If you have an eligible business credit card and rights to manage users, you can allow the same rights for other employees. To do so, go to Business Services, select Manage Users, then select the pencil icon to the right of the user. Next, select Assign Rights, then select the Features tab and toggle the Enable Manage Employee Cards button under the Rights section.
If you don't have an eligible business credit card, you'll receive a notification that you have no eligible card.
Yes. From the Accounts page, select the account you want to hide. The Details & Settings tab includes a button that allows you to control the account's visibility on your profile.
Yes. You can manage cards at any time through Digital Banking for Business. Features include locking or unlocking your card, reporting a stolen card, changing your PIN and activating a new card.
User access and permissions
You can create additional users for your business through the Manage Users feature. You can grant access to accounts and customize account- and transaction-level access, including designating the authority to initiate, approve and cancel transactions, as well as make mobile deposits. You can also manage users on the go with mobile and tablet banking. Once you've created a user, you can add certain features like access to international wires through the Manage User Access option. A fee may apply for additional users. See our fee schedule for more information.
Under Business Services, go to Manage Users. Select the pencil icon to go to the User Details page. Under the Edit Status link at the top of the page, you can then deactivate an active business user or activate a deactivated business user.
Under Business Services, go to Manage Users and select the pencil icon to go to the User Details page. Under the Actions column, you can then unlock a login if it's in Login Locked Out status or reset a password if it's in an Initial Password Expired status.
Accounting software integration
Digital Banking for Business allows your transaction history to be downloaded into Excel formats, which can be uploaded into most accounting systems. In addition, many accounting software packages support logging in to Digital Banking in order to download account history. Please review your accounting system to determine their compatibility.
Quicken® and QuickBooks® are types of financial management software. You can use Digital Banking to upload your transactions to this software to manage your finances.
If you need technical assistance, help getting started with your software or uploading transactions, please visit the Quicken® or QuickBooks® websites.
Before you begin using Quicken® or QuickBooks® websites:
- Review the legal terms and conditions in our Digital Banking Agreement.
- View our Digital Banking charges in our fee schedule.
- Contact us to enroll in Quicken® or QuickBooks®. Fill out the form and select Quicken or QuickBooks Enrollment from the What are you interested in? options menu. A representative will contact you within 2 business days to complete your enrollment.
Follow the steps below to save Quicken Web Connect data to your computer.
- Open your Quicken software and select Edit, then Preferences.
- Select Quicken Program, then choose the Web Connect option.
- Check the box that reads Give me the option of saving to a file whenever I download Web Connect data and select OK.
Follow the steps below if you're unable to download your transactions in Quicken.
- Open Quicken and select the account you want to access with Web Connect.
- Navigate to the Overview tab above the register.
- Under Account Attributes, select Change Online Services.
- To function properly, the financial institution name located just above Transaction Download must reflect First Citizens Bank, Web Connect. If it isn't appearing, select Deactivate under Transaction Download.
- Once the download is deactivated, choose General Information at the top of the screen.
- Select the Financial Institution box to view a list of all banks compatible with Quicken's online services. Select First Citizens Bank, Web Connect. If you can't find this on the list, select One Step Update in the Online menu or select the Update symbol next to the Back button. Uncheck all options under One Step Update, then select Update Now. This will update your Quicken software, which should also update your financial institution list to reflect First Citizens Bank, Web Connect.
- Return to the Online Services tab.
- Select Activate under Transaction Download.
- You'll be directed to the First Citizens website, where you'll find instructions on how to use Web Connect. Log in to Digital Banking for Business. Access your desired account, then select the Filter icon. Select Custom Date, set your date range and choose Apply Filters. Select the download arrow and select qfx for Quicken from the dropdown menu. This should download the file.
- Return to your Quicken register, where downloaded transactions should appear.
- Choose Accept All to add any or all of the downloaded transactions to your register.
App features
First Citizens doesn't charge fees to download or use our mobile banking app on your mobile phone or tablet. There may be a fee for using certain services in Digital Banking. Refer to the Digital Banking for Business Fee Schedule for more information. Your mobile carrier may charge you for data and text message usage. Check with your carrier for more information.
Our app supports all iPhone® and iPad® devices with the current iOS operating system, as well as the previous two versions. Our app also supports Android™ mobile and tablet devices with the current Android operating system, as well as the previous two versions.
Note: Earlier versions of browsers and operating systems may still be able to access Digital Banking. However, certain features may not display or function correctly. Additional bug fixes and security enhancements may not be available on older versions.
Yes. The mobile authorizations feature lets your business set users up to approve transactions on their mobile devices. This involves creating a mobile authorization code, entering contact information and specifying the types of transactions eligible for mobile approvals. The user will then be able to approve the specified types of transactions on their tablet or mobile phone.
First Citizens Mobile Check Deposit will accept several check types.
You can deposit:
- Personal, business and government checks payable in US dollars
- Checks drawn on a US bank
- Checks payable and endorsed by the account holder
For full details, please refer to the Digital Banking for Business Agreement.
Here are the current deposit limits for Mobile Check Deposit:
- For Personal customers, the limit is $8,000 daily and $50,000 monthly.
- For Digital Banking for Business customers, the limit is $25,000 daily and $100,000 monthly.
- For Wealth Management customers, the limit is $25,000 daily and $150,000 monthly.
- For Commercial Advantage customers, the limit is $100,000 daily and there's no monthly limit.
These limits may be subject to change from time to time. For more information, please visit Mobile Deposit.
Because deposits are subject to verification, they're not available for immediate withdrawal. Funds deposited using Mobile Check Deposit will generally be available within 3 business days from the day of deposit, excluding bank holidays. Under certain circumstances, funds deposited using Mobile Check Deposit may be delayed for longer.
Yes. Previous deposits and statuses are available from the Manage Online Activity page under the Payments and Transfers navigation menu.
Wire transfers
Yes. Domestic wires can be sent to US recipients using the routing transit number, or RTN, for the US financial institution. However, you must enroll in advance for access to domestic wire transfer service via Digital Banking. A monthly fee applies for domestic wire module access, and a per-transaction fee applies to each wire transaction. See our Digital Banking for Business Fee Schedule for more information.
Yes. International wires can be sent in US dollars or the local currency of the beneficiary. A wire sent in a currency other than US dollars is considered a foreign exchange wire. International wires are sent via the SWIFT network, which is a fast, secure and efficient way to send a specific amount of foreign currency or US dollars internationally. However, you must enroll in advance for access to international wire transfer service via Digital Banking. A monthly fee applies for international wire module access, and a per-transaction fee applies to each wire transaction. This fee is separate from the domestic wire module access fee. See our Digital Banking for Business Fee Schedule for more information.
After logging in to your account, select Business Services from the left navigation menu, then select Manage User Access. From this page, use the dropdown to select your username, then enter your 10-digit phone number and select Save. You'll then receive a message confirming enrollment. Please allow 2 business days to process your request. If you need assistance, contact us or visit your local branch.
Dual approval is an optional security feature that requires two people to authorize an international wire before it can be processed. The first person is responsible for creating the transaction, while the second person checks and approves the transaction. To arrange dual approval, contact us or visit your local branch. If your business opts in to dual approval, it'll be a required process on every international wire transfer.
Bill Pay
Log in to First Citizens Digital Banking for Business, go to Bill Pay Services and select Business Bill Pay. Choose the accounts you'd like to use, then select Enroll in Bill Pay. A welcome screen will appear. Select Continue.
You can pay bills from any First Citizens checking account listed on your accounts page within Digital Banking for Business. When you access Bill Pay for the first time, you'll be asked to select a Pay From account to begin. If you'd like to add another checking account to the service, select My Account within the Bill Pay service, then select Add Account from the Pay From Accounts box.
The Bill Pay system determines which payments are processed electronically and which are processed as a check. If electronic payment isn't accepted for a specific payment, a check is cut and mailed to the address you provided. You can generally tell if a payment will be sent electronically or by check by the next available payment date.
To add a payee to your business, go to Bill Pay Services and select Business Bill Pay.
- If you're using a computer, select +Payee
- If you're using a mobile device, select Add Payee in the Options dropdown menu
Choose which type of payee you'd like to add, select Next and complete the required information. After adding your new payee, select Preview, where you can save or edit your payee. You may be prompted to receive an activation code.
Yes. To view the Bill Pay history for your business, go to Bill Pay Services and select Business Bill Pay. Go to the Payments tab and select View History toward the bottom of the screen.
To view when a bill payment for your business is scheduled to arrive, go to Bill Pay Services and select Business Bill Pay. Go to either the Payments or Calendar tab.
- On the Payments tab, pending payments are listed with their scheduled delivery date on the right side of the page. From here, you can filter your display by month or list, as well as edit or stop a payment by selecting the payment and selecting Edit.
- On the Calendar tab, the Calendar view shows the scheduled delivery date for all pending payments.
To change the default pay from account on your business account, go to Bill Pay Services and select Business Bill Pay. Go to the My Account tab, then select View Accounts in the Pay From Accounts box. Select Edit for the account you'd like to change and select the checkbox labeled Set as default pay from account. Choose Submit.
The daily limit for electronic Bill Pay business payments is $25,000. Payments that exceed this threshold will be sent via check. It's important to note that not all payees are eligible for electronic payments.
- Under Bill Pay Services, select Business Bill Pay.
- Go to the Payments tab to see the list of payees you've created. If any of your payees are eligible for eBills, they'll be listed on the right side of the screen under eBill Connect.
- Choose a payee to begin eBill setup. You'll be prompted to enter your login credentials for the payee. These are the same credentials you'd enter if you were logging in to the payee's website. Note: This means you must have online access to your payee's website in order to set up an eBill.
- You'll receive a confirmation that your request is in progress. Once the request is complete, the eBill status will be updated to indicate you have a bill available to view.
- You'll be alerted when your first eBill is available. You'll also continue to receive paper bills from your payee unless you contact them to stop receiving paper statements.
The first time you set up an eBill, you'll be required to read and accept the eBill terms and conditions.
To stop a payment, go to Bill Pay Services and select Business Bill Pay. Go to the Payments tab. Under the Pending tab, select Edit by the payment you'd like to stop. Choose I would like to stop this payment, then choose Submit.
It's important to note that you can't stop an electronic payment once the item has been sent. If the payment was sent as a paper check, you can call us to place a stop payment.
Other payments and transfers
Yes. We offer ACH services like single item and external transfer, as well as batch, payroll and collection services as an option for an additional fee. Refer to the fee schedule for more information. Please contact your local branch for more information or to apply for these services.
Yes. Initiation of ACH payments or collections are available. ACH payment transactions are processed on a prefunded basis based on available funds. You must enroll in advance for access to ACH services within Digital Banking. See our Digital Banking fee schedule for more information.
To make a payment to your First Citizens loan or credit card, select Pay Loan or Credit Card under the Payments & Transfers dropdown, then select Make a Payment. You'll be prompted to select your pay From and To account, amount, payment date and whether it's a one-time or recurring payment. You'll also have the option to add a memo.
Under the Payments & Transfers dropdown, click Transfer Funds. Select the From and To accounts and the amount you'd like to transfer, then select the Frequency dropdown. This prefills to One-Time Transfer, but you can choose from a list of frequencies. Choose your preferred frequency, then select Forever (Until I Cancel) or Until Date (Set an End Date) under Repeat Duration.
If you want your transfer to recur weekly or every other week, choose a day of the week for the transfer to process under the Day of the Week field.
Yes. You can make both federal and state tax payments. However, you must enroll in advance for access to this service. A per-transaction fee applies to each tax payment transaction. See our Digital Banking for Business Fee Schedule for more information.
