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 employees and vendors or draft your customers securely with Automated Clearing House, or ACH, to save time. Your employees and vendors will appreciate the convenience of direct deposit, which gives 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
  • Never miss a payment with bill reminders
  • Delegate access with user permission and payment approvals

Send money with Zelle®

More convenient than cash or checks, Zelle® is a fast, safe and easy way to send, request and receive money with people you trust.

  • Request and accept payments from your customers
  • Receive money in your First Citizens business bank account, typically within minutesD
  • Learn more about Zelle® for your business

People often ask us

Yes. Zelle® is available for both business and consumer Digital Banking customers at First Citizens. To learn more, visit our Zelle® for your business page.

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 fee schedule for more information.

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 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 Digital Banking fee schedule for more information.

At this time, international wires aren't available within Digital Banking.

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.

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

Please see the Zelle® Terms of Service.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. 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.

To send or receive money with a business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience. The business will incur a $2 transaction fee.

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