First Citizens Bank

Disbursement

While it's true you've got to spend money to make it, how you control it can make you more efficient.

• Account Reconciliation: First Citizens' account reconciliation plans are designed to quickly and automatically reconcile all checks paid against your First Citizens account.

• ACH Monitor: Limit your risk of paying unauthorized ACH items on your account. Choose a "block" or "filter" service, allowing for customizations based on your needs.

• ACH Origination: Use Business Online Banking Advantage to create direct deposit transactions, pay vendors or originate other electronic transactions.

• ACH Prefunding: Allows companies, who have been unable to take advantage of ACH services in the past due to limited credit history, a means to process their payrolls or pay their suppliers or other expenses.

• Controlled Disbursement: Receive a report each morning of exact dollar amount of checks and other debits that will post to your account that night.

• Positive Pay: Help detect and stop check fraud by allowing customers to review and return any unauthorized checks.

• remitONE®: Pay Federal and/or state taxes electronically over the Internet.

• SEC Monitor or SEC Screen: Help prevent electronic fraud by using Standard Entry Class (SEC) codes to monitor and screen ACH transactions on your account.

• Wire Initiation: Initiate outgoing wire transfers through Business Online Banking Advantage.

• Zero Balance Accounts (ZBA): Automatically maintain disbursement and depository accounts at a zero balance by transferring funds from or to your master operating account.