Business Digital Banking Fee Schedule

What you need to know about service charges

Fees may vary based on your account type or relationship to reflect waivers or reimbursements for certain services.

Online and Mobile Account Access

Service

Fee

Digital Banking (accessed through FirstCitizens.com or the mobile banking app)

No Charge

Transfers

Service

Fee

Internal funds transfers (within bank)

No Charge

External fund transfers (bank to bank)D

No Charge

Incoming external transfers (bank to bank)D

No Charge

Person-to-person transfers (Send money with Zelle®)DD

No Charge

Bill Pay

Bill pay fees listed below may vary depending on your account plan and relationship.

Service

Fee

Unlimited bill payments using this service

No Charge

Next-day rush bill payments (next business day)D

$34.95

Two-day rush bill payments (second business day)D

$29.95

Gift paymentsD

$2.99

Charitable donation paymentsD

$1.99

Express mail notification, per letter

$15.00

Payment cancellation before disbursement, per request

$7.50

Payee-returned ACH payment due to customer error

$10.00

Payee-returned check payment due to customer error

$5.00

Proof of payment for bill payment not in dispute

$10.00

Research from offline files ($25.00 minimum)

$25.00/hour

Business Services

Service

Fee

Multiple users (in addition to primary user, per month)D

$7.50

Mobile deposit (first 10 checks per month free; thereafter, each check)D

$0.50

Zelle® for business incoming credit transactions (each)D

$2.00

Positive Pay Service

Service

Fee

Contact Treasury Management ServicesD

Price Varies

ACH (Automated Clearing House) Monitor Service (per month)

Service

Fee

Contact Treasury Management ServicesD

Price Varies

Wire Transfer Services

Service

Fee

Wire transfer base module (per month)D

$15.00

Domestic wire origination (each)D

$15.00

International wire transfer base module (per month)D

$15.00

International wire origination for FX (each)D

No Charge

International wire origination for USD (each)D

$25.00

Note: For international wire origination for FX and USD, payments are sent as BEN. An additional $10 fee will be applied when a request is made to send as OUR.

ACH Services

Service

Fee

ACH batch/payroll module (per month, includes 15 ACH transactions)D

$15.00

ACH batch/payroll transactions (over 15, each)D

$1.00

ACH collections module (per month, includes 15 ACH transactions)D

$15.00

ACH collections transactions (over 15, each)D

$1.00

ACH batch/payroll and ACH collections module (per month, includes 30 ACH transactions)D

$25.00

ACH batch/payroll and ACH collections transactions (over 30, each)D

$1.00

Federal/state tax payments (each)D

$3.00

ACH single payments/external transfers (no monthly fee, each)D

$3.00

Same-day ACH transactions (each, charged separately)D

$1.00

Quicken® and QuickBooks® (via Web Connect)

Quicken and QuickBooks

Service

Fee

Digital Banking through QuickBooks software (8 sessions per month)

$11.95/month

Digital Banking through Quicken software (8 sessions per month)

$5.95/month

Digital Banking and Bill Pay through QuickBooks software (8 sessions plus 15 bill payments per month using the service)

$17.95/month

Digital Banking and Bill Pay through Quicken software (8 sessions plus 15 bill payments per month using the service)

$13.95/month

Additional sessions using QuickBooks software

$0.75 each

Additional sessions using Quicken software

$0.50 each

Bill payments in excess of 15 per month through QuickBooks software

$0.75 each

Bill payments in excess of 15 per month through Quicken software

$0.50 each

Surcharge for use of business account with Quicken

$4.95/month

First Citizens does not charge fees to download or access First Citizens Digital Banking, including the First Citizens mobile banking app. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in First Citizens Digital Banking.

Services and corresponding fees are provided for and are applicable to consumer customers only.

Services and corresponding fees are provided for and are applicable to business customers only.

Quicken and QuickBooks are registered trademarks of Intuit, Inc. First Citizens Bank is not affiliated or associated with Intuit, Inc.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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