Commercial Insights

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Community Association Banking

How to Avoid HOA Scams and Fraud

Protect your HOA from phishing, email account fraud and other scams.

Ramping up a sense of urgency is a common tactic, with fraudsters often sending such requests late in the day, just before a holiday or weekend, or when the purported sender is out of the office.

Grow Your Business With an Expansion Loan

See how a business expansion loan can help finance your commercial growth plan.

A business expansion loan gives you extra funds to buy new equipment, hire staff and move into new markets.

The Main Types of Commercial Loans Available for Businesses

There are several types of commercial loans you can choose for your company. Learn which will work best for your situation.

Before you jump into getting any loan, make sure you have a plan for how you'll use the funds you receive.

Community Association Banking

How Can a Reserve Account Help Your HOA?

When your community association needs to cover immediate expenditures, a reserve account can grow and protect your funds with maximum liquidity.

A product that will provide a steady, reliable rate of return is a must for ensuring association assets will grow to provide the maximum funds possible to maintain and enhance property values.

Community Association Banking

How to Keep Your HOA Reserve Funds FDIC-Insured

Here are some ways to keep your HOA reserves safe and secure with the aid of a single banking relationship.

If your community association has funds over $250,000 and isn’t sure where to place them, it's important to talk with your financial provider to be sure your funds are safe.

Community Association Banking

Promoting HOA Board Transparency

Every HOA board is required to provide information to homeowners. Learn how to build trust through transparency.

It's better to conduct most of your sessions with homeowners in attendance so they can feel heard.

Community Association Banking

HOA Responsibilities in a Natural Disaster

Put a plan in place to help your homeowners association community when disaster strikes.

While your HOA doesn't take the place of emergency response agencies, it can create a budget plan to facilitate response and recovery from unexpected events.

Community Association Banking

What Are the Benefits of CD Laddering for Your HOA?

Help your community association money to grow safely while keeping access to your funds.

It’s an ideal cash management concept for community associations because it provides safe earning power and regular access to funds.

Industry Expertise

Tips for Creating a Hemp Farm Business Plan

If you're thinking about opening a hemp farm, an agricultural business plan can help you succeed.

Before you clear a field or turn over soil, you'll need to understand the costs of starting a hemp farm, along with future potential profit.

Middle Market Banking

New Year, New Economy, New Strategies

Get middle market banking business webinar insights into 2023 industry and economic trends.

Risk Management

Is Cybersecurity Insurance Worth It?

Cybersecurity insurance is a sound investment for any business that stores sensitive data.

For most businesses, the cost of even a single cyberattack can make or break a company's future and reputation with its customers.

Latch Onto Industry 4.0

The fourth industrial revolution integrates technology into everything your business does.

The tools of the fourth industrial revolution will require an investment of time, money and resources.

International Banking

Building an International Business Expansion Strategy

An international business expansion strategy can be a profitable path for growth.

By remaining flexible yet focused and finding one or more key individuals or partners, you can take your logistics business to the next level overseas.

AI in Manufacturing Boosts Operational Success

As the fourth industrial revolution advances, we continue to learn how important the role of AI in manufacturing is.

AI stands to disrupt the way you, your peers and your competitors do business.

Industry Expertise

New VR Technology as a Program Management Tool

Here are the ways your firm could use this technology to help your staff and clients.

New VR technology allows architects to simulate what they want to build in 3D.

What Is White Labeling?

Seamlessly blending into your existing tech, white labeling can broaden your marketplace footprint.

If your firm's growth plans hinge on complementary offerings to your core business, white labeling can provide quick access to new products or services.

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This information is provided for educational purposes only and should not be relied on or interpreted as accounting, financial planning, investment, legal or tax advice. First Citizens Bank (or its affiliates) neither endorses nor guarantees this information, and encourages you to consult a professional for advice applicable to your specific situation.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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