Treasury Management Services

Your personalized treasury solutions

Manage your cash flow more effectively

Every day, our experienced professionals deliver personalized treasury services to meet your unique challenges and goals. Choose from a variety of treasury management products, tools, advice and services to achieve your objectives.

Receivables

Optimize your cash flow by simplifying account receivables with traditional or electronic methods.

  • Collect payments quickly and securely
  • Recover 100% of the amount for bad checks
  • Accept online bill payments from anywhere, anytime
Learn more about receivable solutions
Contact us about receivables

Payables

Keep your business moving forward by streamlining processes, expenses and transactions.

  • Deposit funds faster with our ACH services
  • Process invoices easily with integrated payments
  • Accurately forecast and manage daily cash requirements with controlled disbursement
Learn more about payable solutions
Contact us about payables

Zero Balance Accounts

Money that works for your business.

  • Eliminate manual transfers between accounts
  • Maintain separate accounts for internal auditing and accounting
  • Maintain balances in a single account for efficient utilization
Learn more about zero balance accounts
Contact us about zero balance accounts

ACH Services

Keep employees and customers happy with swift, secure electronic deposits.

  • Make deposits easy and seamless
  • Cut costs associated with checks and postage
  • Keep transactions secure
Learn more about commercial ACH services
Contact us about ACH services

Purchasing Card

Simplify business purchases, reduce paperwork and monitor expenses.

  • Set your spending controls
  • Reduce administrative costs
  • Analyze spending with online reporting tools
Learn more about our purchasing card
Contact us about our purchasing card

Fraud Prevention

Implement the latest fraud prevention tools to protect your business accounts against suspicious activity.

  • Protect business accounts from electronic fraud
  • Shield your business from check fraud
  • Detect suspicious check activity
Learn more about fraud prevention
Contact us about fraud prevention

Information Management Services

Our secure products and services help digitally manage your business data.

  • Efficiently manage your business
  • Improve accounting and reconciliation accuracy
  • Securely exchange electronic data files
Learn more about commercial Information Management
Contact us about information management services

Reporting and Reconciliation

View collections, payments and other details in a way that's designed to suit your needs.

  • Automatically reconcile all checks paid against your First Citizens account
  • Search and sort canceled checks
  • Easily and securely trade electronic files
Learn more about reporting and reconciliation
Contact us about reporting and reconciliation

Liquidity Management

Put idle funds to work for your business in interest-bearing accounts by investing, minimizing interest or paying down debt.

  • Automatically invest available cash balances
  • Make excess cash in your business checking account work around the clock
  • Maximize interest income by sweepingD funds from your checking account into an overnight investment vehicle
Learn more about liquidity management
Contact us about liquidity management

Smart Safe and Provisional Credit Services

Improve your cash flow while reducing risk.

  • Get access to your funds faster with provisional credit provided on the same morning totals are reported
  • Minimize the risk associated with keeping large amounts of cash on site
  • Add convenience by automating your cash handling
Learn more about Smart Safe and Provisional Credit services
Contact us about Smart Safe and Provisional Credit services

We're here to help with your treasury management needs

Digital Banking
Commercial Advantage

Accurately track cash flow

Manage your business on the go

Keep your assets secure

Learn more about Commercial Advantage

Digital Banking
Commercial Advantage

Accurately track cash flow

Digital Banking
Commercial Advantage

Manage your business on the go

Digital Banking
Commercial Advantage

Keep your assets secure

Learn more about Commercial Advantage

Treasury Management FAQ
People often ask us

Treasury management services are customized tools and solutions that help you streamline daily operations, simplify financial processes, optimize liquidity and protect your bottom line. With treasury management services, you can manage your cash flow conveniently and effectively with up-to-date digital solutions and world-class service.

Types of treasury management services include:

  • Accounts receivable solutions
  • Payment acceptance technology
  • Accounts payable solutions
  • Zero Balance Accounts
  • ACH electronic services
  • Purchasing cards
  • Fraud prevention
  • Information management services
  • Reporting and reconciliation
  • Liquidity management

With treasury management services, you can:

  • Streamline accounts receivables
  • Simplify customer payments
  • Collect outstanding invoices more efficiently
  • Automate accounts payable
  • Strategize payments
  • Provide more comprehensive, timely reporting
  • Mitigate fraud risk
  • Automatically invest available cash balances to grow your business

Yes. You can automate your transmissions by using your own FTP or sFTP of your choosing to schedule your transmissions. Note that your automation must be supported by your company.

  • sFTP: FTP Key Exchange over SSH - uses port 22
  • FTPS: Secure SSL Exchange over FTP - uses port 991

Yes. You can use Data Exchange Service to manually upload and download your files.

Yes. If you need a file placed back in your inbox, call 866-322-4249, select option 3 and ask to speak to a data exchange analyst. You can also email us at TreasuryManagementSupport@FirstCitizens.com. Files older than 2 months aren't accessible.

Secure file exchange allows you to automatically send and receive financial information using secure connections to the bank. It eliminates the need for multiple logins to online banking and multiple file downloads to load into your financial tools.

We offer a number of treasury management services that work with DES, including account reconciliation and check issue files, ACH origination, BAI previous day reporting, commercial image cash letter using the X9.37 standard, DDA statements, EDI reporting and eReceivables.

Your previous day balances and transactions to include deposits, ACH payments, wire payments and checks paid are provided. The same reporting data you get in online banking for your business checking and business savings accounts is provided with First Citizens Link if your account is enrolled.

First Citizens Link provides in-application connectivity between the bank and your enterprise resource planning, or ERP, financial software.

Enterprise resource planning, or ERP, packages are financial software tools many companies use to help run their businesses, reconcile their accounts, pay bills and employees, and manage other financial needs including travel expenses and invoicing.

If your company uses Oracle NetSuite, Sage Intacct or Microsoft Business Central as its ERP solution, ERPbanking integration allows you to sync your software with First Citizens. Through First Citizens, you can see previous day's balance and transaction information, originate ACH payments and view check issue file details for Positive Pay services.

We support Oracle NetSuite, Sage Intacct and Microsoft Dynamics 365 Business Central.

If you currently use Oracle NetSuite, Sage Intacct or Microsoft Business Central and are looking to streamline information reporting to support account reconciliation or make payments that are recorded in your software without logging into online banking, First Citizens Link may be a good fit for your business.

You'll simply install a First Citizens application into your ERP solution following a step-by-step easy installation wizard.

First Citizens will support previous day balances and transaction reporting, the ability to originate ACH payments and the creation of check issue files for Positive Pay fraud protection services. Our included ERP software packages are Oracle NetSuite, Sage Intacct and Microsoft Dynamics 365 Business Central.

With our step-by-step wizard, setup is simple and shouldn't require assistance from IT.

Yes. If you currently use Oracle NetSuite, Sage Intacct or Microsoft Business Central, you can originate ACH payments. If you write checks, supply First Citizens with your check issue file details for Positive Pay services.

First Citizens Link, our integrated ERP solution, allows enrolled clients to leverage a plug-in to connect to the bank. We do offer other ways for you to get your information, including online banking, data exchange services, and Quicken or QuickBooks integration.

You'll have access to previous day transactions and balance information, the ability to pay invoices and employees using ACH and support for Positive Pay by transmitting check issue information.

Treasury Management Insights
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Treasury Management

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Normal bank approval applies.

Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value.  They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands and Services Offered: First Citizens Wealth® (FCW) is a registered trademark of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC and an Equal Housing Lender icon: sys-ehl, and First Citizens Delaware Trust Company.

For more information about FCIS, FCAM or SVBW and its investment professionals, visit FirstCitizens.com/Wealth/Disclosures.

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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

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