Small Business Payments and Transfers

Simplify the way you pay


Move your money where you need it

Pay down your business's loan or line of credit, or transfer money to cover expenses—all from the convenience of your computer or mobile device.

  • Make a one-time or recurring payment to your First Citizens credit card, business loan or line of credit
  • Transfer money online between your First Citizens checking, savings and business equity accounts
ACH and Wire

Expedite payments with ACH and wire

Pay vendors and process payroll securely with ACH (Automated Clearing House) to save time. Your vendors and employees will appreciate the convenience of direct deposit that give them quicker access to their money. Need it there faster? Send domestic wires in real time.

  • Make one-time payments or schedule recurring ACH or wire payments
  • Payments can be processed as quickly as the same day
  • Save money and time over sending wires through the branch

Pay bills in seconds

Take control of your accounts payable with our easy and convenient bill pay service.

  • Schedule recurring payments for monthly business expenses
  • Manage your cash flow by viewing upcoming bills and payment history
  • Don’t miss a payment with bill reminders 
  • Delegate access with user permission and payment approvals

People often ask us

Yes. You're able to make single or recurring payments toward your First Citizens loan or credit card. To make a payment, simply log in to Digital Banking, select Payments and Transfers from the left navigation menu, and then select Pay Loan or Credit Card. A transfer to your First Citizens credit card is credited the same day. Your transfer could take 3 to 4 business days to post to your credit card account.

Yes. Initiation of ACH payments and payroll batches, or ACH single payments including same-day ACH, are supported to make payments to vendors, suppliers and individuals. ACH transactions are processed on a prefunded basis based on available funds. You must enroll in advance for access to ACH services within Digital Banking. The initiation of ACH collection transactions are not supported. See our fee schedule for more information.

You can make both federal and state tax payments. Once the federal or state taxing entity is selected, the eligible taxes for that entity are populated. Selecting a specific tax type for the taxing entity then populates the specific entry fields required for that tax type. A per-transaction fee applies to each tax payment transaction. See our fee schedule for more information.

Wires can be sent to US recipients using the Routing Transit Number (RTN) for the US financial institution. You must enroll in advance for access to wire transfer services via Digital Banking. A monthly fee applies for wire module access and a per-transaction fee applies to each wire transaction. See our fee schedule for more information.

Please see our Business Digital Banking Fee Schedule and Digital Banking Agreement.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app or First Citizens Text Banking. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.

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