Manage Receivables

Simplify account receivables

ACH Receivables

Receive electronic payments from your customers securely.

  • Accommodate one-time and recurring payments
  • Improve cash forecasting and cash flow
  • Offer convenience to customers and reduce costs


Check Recovery

Effectively recover 100% of bad checks.

  • Eliminate the need for in-house collections
  • Online process for funds collection
  • No re-deposit or return fees for resubmitting checks

Image Cash Letter

Deposit checks using your existing imaging system.

  • Transmit deposit files online
  • Make paperless check deposits fast and convenient

Electronic Bill Presentment and Payment

Replace paper with online billing and payments.

  • Get paid faster and improve cash flow
  • Reduce costs with less paper, printing and postage
  • Improve customer satisfaction


Integrate online payments into your cash management system.

  • Consolidate payments from multiple online bill processors into a single electronic file
  • Gain faster access to your funds
  • Eliminate duplication of file formats, protocols and stop payment processes

Lockbox Processing

Outsource the collection, processing and posting of payments.

  • Accelerate the collection of receivables
  • Speed up availability of funds
  • Immediate and secure access to remittance images

Remote Image Deposit

Deposit checks remotely for faster processing and extended deposits.

  • Save time and money
  • Extend deposit deadlines
  • Enhance security and accuracy

Let us guide you to the right Receivables solution

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

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

merchant services

Payment processing tailored for you

Expand your customer payment options and streamline your operations with our payment solutions.
Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.

People often ask us

The ACH Return Resolution report information is available and accessible through the Business Online Banking Advantage® (BOB Advantage®) by choosing the "Reporting" section. The Return Resolution report is a critical part of being able to process our Direct Deposits. On a daily basis, these reports will detail any transaction that was returned to you and you have not received your credit. It will also show any account information that has changed or is no longer valid. To access the report, select either the Standard or Custom ACH Report option located under Bank Reporting on the Account Management Reports page. Your Return Resolution and Notification of Change Reports are accessible for 14 calendar days.

As part of your ACH Agreement with First Citizens, you're required to stay abreast of industry changes. We recommend you become a member of your local ACH Regional Association (E Pay Resources on the east coast) or reference for ACH rules changes. Often, when changes occur that significantly affect your ability to originate your ACH file (payroll, taxes etc.), a notice will be posted on BOB Advantage.

Yes. ACH Training is provided to customers upon request. If you need ACH training, please contact First Citizens Business Central at 866-FCB-4BIZ (866-322-4249, option 7) to schedule a training date.

First Citizens adheres to our ACH Operator processing guidelines which are recommended to ensure timely delivery. Business clients can enroll for same day ACH processing.

You must receive authorization from your employees or customers to obtain the information needed to deposit funds into their checking and savings accounts for payroll, employee expense reimbursement, government benefits, taxes, other refunds, annuities and interest payments. Please reference the National ACH website (Section VII Appendices) for Sample Authorization for Direct Deposit through ACH (Credits) for more information.

Normal bank approval applies.  

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.