ach payments (disbursements)

Process payments automatically and securely

Gain flexibility

Create single and recurring deposits for ACH payments like payroll, suppliers and taxes.

Reduce costs

Eliminate costs for generating checks, mail and postage.

Simplify deposits

Allow customers to quickly and easily make deposits.

Benefits of ACH Payments

Fast and secure

Speed up deposits

Open the door to faster deposits with same-day ACH. Same-day clearing and settlement of ACH transactions provides faster funds availability.

Get secure online access

Disburse payments securely online for payroll, reimbursements, tax and other refunds, annuities and interest payments.

Find detailed reporting

Provide detailed reporting for any credit returned or incorrect information.

Helpful ACH payment resources

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
ACH Payments FAQ

People often ask us

You can submit an ACH transaction reversal using Commercial Advantage. An ACH reversal must be submitted within 5 days of the settlement date of the original erroneous transaction. To access the ACH reversal function, locate the erroneous transaction in the completed section on the ACH Summary page. Select View for the transaction. Detailed information for the selected transaction is displayed. A Reverse option will also display. To submit a reversal, choose Reverse. If you need additional assistance, select Inquire for the transaction. Enter your question, and then select Send.

A customer service representative will respond to your inquiry within 1 business day. If you're sending files through DES FTP transmission, simply send the reverse entry in a Nacha format. Digital Banking for business customers should contact the Business Engagement Center, 866-FCB 4BIZ (866-322-4249).

Yes. A pre-note transaction may be submitted as a test. A pre-note is a zero-dollar transaction with unique transaction codes. Its intention is to verify both the transit routing and account number of a transaction. If either is incorrect, you'll be notified by a Return Resolution Report. It's recommended that you initiate a pre-note transaction 3 days in advance of a live dollar transaction for first-time accounts.

An ACH routing number is similar to an ABA routing number. The difference is that an ACH routing number is used for electronic transactions.

An ACH transfer is an electronic transfer of funds between two bank accounts. It's initiated through the Automated Clearing House network so you can send payments or pay bills quickly, depending on the ACH payment services available at your bank.

ACH transfers and automatic payments are processed securely by either the Federal Reserve or the Clearing House Payments Company, and then funds are moved electronically from one bank to another. ACH payment services generally are offered by banks and other financial institutions and often include same-day processing and detailed reports online.

Normal bank approval applies.

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

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