Business Credit Line Sweep

Let your money work overtime

Get a business credit line sweep

Turn your investments into cash. Open a business credit line sweep account to pay off debt and grow excess funds for your business. We'll help you get started by selecting overnight investments that fit your business needs.

Earn more

Use excess funds from your business credit line sweep to generate investment returns.D

Stay hands off

Use a fully automated process that requires no manual transfers.

Reduce debt

Let excess funds from your business credit line sweep pay for debt or interest charges on lines of credit.

Business Credit Line Sweep Services

Keep your money working for you

Choose your investments

Select from two types of overnight investments that earn highly competitive interest rates, preserve liquidity and minimize risk.

Offset charges

Set a maintained target balance in your business credit line sweep account to offset some or all service charges.

Reduce interest costs

If you don't have any investments, you can use excess cash to directly pay your business lines of credit and minimize interest expenses.

Automate investments

If you have no line of credit or your credit is paid off, your excess cash goes directly into the investment options of your choice.

how it works

Work your excess cash harder

First Citizens Business Credit Line Sweep and Loan Services keeps your excess cash working every day. Use excess funds to generate investment returns and reduce debt or interest charges on business lines of credit.

Invest

Transfer available cash balances in your operating account to predetermined short-term investments automatically.

Credit

Use available cash from your business credit line sweep account to automatically pay down your business lines of credit.

Transfer

Balances are then transferred back to the original business credit line sweep account in the morning.

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Learn more about business digital banking
Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Learn more about business digital banking
Insights

Insights for your business

Normal credit 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 marketing brand 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, and SVB, a division of First-Citizens Bank & Trust Company. icon: sys-ehl

For more information about FCIS, FCAM or SVBW and its investment professionals, click the links below:

FirstCitizens.com/Wealth/Disclosures

SVB.com/Private-Bank/Disclosures/Form-ADV

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.

NMLSR ID 503941