Find answers to some commonly asked questions
The documentation you need to open a business account will vary based on your business type and business needs. Our Business Account Requirements provides a good place to start understanding what documents you will need during the account opening process.
You can open a business checking account by talking with a Financial Services Representative at your local branch.
The minimum opening deposit for our business checking accounts is $100.
Yes. If you're running low on checks, we've got you covered. Whether you need checks or accessories for your business bank account, we offer a quick and simple online ordering process through our supplier, Harland Clarke.
- Access Harland Clarke—Check Ordering.
- Log in with your routing or transit number and the account number from your checking account.
- Don't know where to find these numbers? Don't worry—an example check is available for clarification.
- Choose the checks and accessories you want to purchase.
If your name or address has changed, or you have not ordered checks in the past, please call us or visit your local branch to update your information or place your first order.
Yes. Our business checking accounts come with our Business Digital Banking services for fast, secure and easy banking access online. You can bank anywhere, anytime, 24 hours a day, 7 days a week.
In order to open a business checking account, we require the business's federal Employee Identification Number, or EIN, for most business types. If your business is a sole proprietorship or you're the sole LLC member, a Social Security number is accepted. For complete requirements, please refer to our Business Account Requirements.
The minimum deposit to open a Business Savings account is $100 and for a Premium Money Market Savings account is $25,000. For other opening balance requirements, consult our Business Savings Comparison table.
You can access everything online—including your business checking, business credit card, loans and lines of credit (including Checkline Reserve® and EquityLine)—through our online services. These accounts and their corresponding balances are automatically available through online banking and will appear every time you login to your account.
The documentation you need to open an account will vary based on your business type and business needs. The Business Account Requirements should provide a good place to start thinking about the documents that we'll ask for during the account opening process.
You can open a business savings account online by logging in to your account, by visiting business savings or by talking with a Financial Services Representative at your local branch.
For our regular Business Savings account, you can avoid a monthly maintenance fee if you maintain a minimum daily balance of $300. For requirements on our other business savings options, consult our Disclosure of Products and Fees—Business Accounts and Services.
The FDIC guarantees all traditional types of deposit accounts (checking, savings, money market savings and CDs) up to $250,000 per depositor and guarantees bank individual retirement accounts (IRAs) up to $250,000 per owner.
A money market savings account delivers a higher interest rate on your liquid funds. And because our Premium Money Market Savings account offers tiered interest rates, the higher your balance, the more you earn.
We offer a variety of CDs, all with competitive interest rates. Premier Business Checking and Professional Business Checking customers earn preferred rates on CDs with a minimum deposit of $5,000. For current interest rates, contact your local First Citizens banker or visit your local branch.
Equipment Finance and Leasing
For most business owners, the top two benefits are the ability to maintain cash flow and secure 100% financing. If you move forward with our program, the third benefit is the financing may be structured in a variety of ways to meet your tax and accounting needs.
Yes. A Term Loan or a Capital Lease allows you to depreciate the cost of the equipment. One of our Equipment Finance and Leasing Officers can review our business equipment financing options in detail with you and your accountant.
We offer a variety of equipment finance and leasing options, which you can learn more about by talking to a First Citizens representative at your local branch.
There are many benefits to offering vendor financing through your business, both as an equipment seller and buyer.
As an equipment seller, offering financing to your customers can help you:
- Drive margin-rich products and services
- Bundle equipment and services into one monthly invoice
- Reduce accounts receivable collections
- Reduce fees paid to credit card companies
- Close sales faster
- Get paid fast with rapid funding on documented and installed systems
You also have the ability to sell based on monthly payments rather than total cost, so you may be able to improve profit margins by offering upgrades to equipment, software and services.
As an equipment buyer, choosing financing can help you:
- Stay on budget with predictable monthly payments
- Maximize productivity with the latest technology and equipment
- Lower your upfront costs
- Get more flexibility than cash-only purchases allow
- Bundle your entire solution—including hardware, software and services
- Upgrade or add on to existing equipment as your needs change
Let's say a landscaping company needs a new mini excavator. The owner of the landscaping company goes to their local equipment dealer to purchase the excavator, but they don't want to tie up cash flow by paying the full cost of the equipment upfront. The local dealer can offer customers financing options to pay for purchases over time through a lending partner that understands their customers' needs.
When you offer vendor financing, you're able to:
- Support new ways customers can purchase equipment, including as-a-service sales and usage-based purchase and rental structures
- Lower accounts-receivable operational expenses through technology, people and process integration
- Better ensure a positive customer journey from initial funding through account upgrades, renewals and disposal
- Establish and execute on a custom program that aligns with growth and profit objectives
- Offer announcements and special offers within customer invoices
Vendor financing is the lending of money by a lending institution through an equipment seller to a business customer, who in turn uses that capital to buy that same vendor's products or services. The money is being provided by a lending institution like First Citizens to the customer to purchase equipment or services provided by the vendor.
Yes. Your business can use a small business line of credit for any purpose related to your business operations. The funds are revolving, so once you pay back your line of credit, you can borrow the funds again and again.
Your personal guarantee may be needed depending on the size and type of your credit request.
A term loan provides financing for capital expenditures (such as vehicle or equipment needs or fixed assets) that are regularly amortized over a period of time. A small business line of credit allows you to easily access funds whenever you need them for short-term financing needs. A lease can help you with vehicle and equipment financing and has potential tax benefits.
Yes. We have various lines of credit to meet your business's cash flow needs and will work closely with you to determine what line of credit is best for your business. To get started, contact a First Citizens representative at your local branch.
If you prefer knowing what your interest rate and payment will be throughout the life of your loan, you should consider a fixed rate loan. In contrast, a variable interest rate loan may give you a lower rate and payment amount initially, with the chance that the rate and payment may rise or fall in the future.
The US Small Business Administration helps finance new businesses and helps existing businesses flourish through a federal loan program.
Start by talking with your First Citizens banker. We can help you determine what financing you need based on your business plan and model. If you're not a current customer, contact a First Citizens representative at your local branch. Another good place to start is the US Small Business Administration website, which has tools and resources to help you in the planning stages of starting your own business, including determining if an SBA loan is right for you.
No. If your line of credit has a zero balance, you won't pay interest.
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 visit Nacha.org for ACH rules changes. Often, when changes occur that significantly affect your ability to originate your ACH file (payroll, taxes etc.), we'll notify you.
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.
The ACH Activity report provides details of transactions that have been returned to you with a reason for the return or Notifications of Change that require your attention. These reports are available for 65 business days for you to review. We encourage you to subscribe to the ACH Return or Notification of Change alert to receive an email when action is required by you.
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 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 Business Support, 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.
Yes. To ensure items post in a timely manner to reach the receivers account for posting, we should receive:
- ACH Credit files (for Direct Deposit) at least 2 business days in advance of the effective (deposit or payroll) date
- ACH Debit files (for Automatic Drafting) at least 1 business day in advance of the effective (due) date
All ACH transactions submitted prior to 10 pm ET will be processed at First Citizens the same day for the delivery to your customer’s bank. Transactions submitted after 10 pm ET will be processed at First Citizens for delivery to your customer’s bank the next business day.
- If you send your Direct Deposit transaction the same day the payment is due (effective), your employees will not have access to their funds on time.
- If you send your Automatic Draft transaction the same day the payment is due (effective), you won't receive your deposit until the next day (settlement day).
- Same-day ACH transaction processing is available for same-day settlement.
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.
Although we recommend submitting your Direct Deposit file 2 days prior to the employee payday to ensure timely delivery, ACH credit and debit files can be submitted 1 day prior to the effective date. Business clients can also enroll for Same Day ACH processing. An additional per-item fee may apply for Same Day ACH processing.
No. Don't use deposit tickets as they have internal information on them that will not process through the ACH system.
An ACH Return report provides details about ACH transactions you have initiated that have been returned by the receiving bank. The report includes why the transaction was returned (Return Reason), account number, name, individual ID and dollar amount associated with the returned transaction. You may also receive a Notification of Change (NOC) report, which is sent by the receiving bank requesting that future entries contain the correct information. The correct information is provided to you in the NOC report. We encourage you to subscribe to the e.Statements/ACH activity alert to ensure you are aware if an ACH return or NOC report requires your attention.
Your company may submit a reversing ACH transaction. The reversing transaction may only occur if the error is due to an invalid or incorrect dollar amount. An ACH reversal must be submitted within 5 days of the settlement date of the original erroneous transaction. Reversals aren't guaranteed.
The bank will move the effective date to the next business day following the weekend or holiday. It's important that you consider weekends and holidays when determining your effective date so as not to cause your transactions to post later than you desire. For example, if your effective date is typically the 1st of the month for payroll transactions, and the 1st of the month falls on a Saturday, you'll likely want to change the effective date to the 30th or 31st of the previous month. Then, submit the transactions a day or two sooner, accordingly. In this example, failing to consider that the 1st falls on a Saturday would result in the effective date being moved forward to the next business day, the 3rd.
Financial institutions vary on how they handle transactions submitted on a non-business day. We'll process the transactions on the next business day following the weekend or holiday.
After a payment has processed and cleared, you can't make changes to that transaction. Detailed steps on the different ACH transaction types can be found in our Digital Banking for Business User Guide. You can learn more by watching the ACH payments and ACH templates videos on our Video Tutorials page.
If you're assigned the Manage Template and Recipient rights, you can edit or delete a recipient template. Detailed steps on the different ACH transaction types can be found in our Digital Banking for Business User Guide. You can learn more by watching the ACH payments and ACH templates videos on our Video Tutorials page.
Various types of payment methods are offered through Digital Banking for business. Detailed steps on the different ACH transaction types can be found in our Digital Banking for Business User Guide. You can learn more by watching the ACH payments and ACH templates videos on our Video Tutorials page.
An ACH number is similar to an ABA routing number. The difference is that an ACH number is used for electronic transactions.
An ACH payment is a type of electronic credit or debit payment initiated through the Automated Clearing House Network. The payment can be initiated between two banks or between two bank accounts that are held by the same bank.
Same Day ACH
Same Day ACH allows both credit origination (Payables) and debit origination (Receivables) transactions to process and settle same day. ACH transactions processed as Same Day will be available by the end of our processing day.
Almost all types of ACH Payments, including Credits, Debits, Tax Payments and non-monetary transactions such as Notifications of Change (NOC). Remittance Information (CCD, CTX) are also eligible for Same Day processing. However, International Transactions (IATs) and transactions above $1,000,000 won't be eligible for Same Day ACH.
Once you're enrolled in the service, First Citizens Bank must receive ACH batches submitted through Commercial Advantage or Digital Banking for business by 3:30 pm ET Monday through Friday for ACH Same Day processing.. ACH files submitted through our Data Exchange Service, or DES, will be processed that day if received by 4 pm ET.
We don't charge additional fees for our customers to receive Same Day ACH transactions. A fee of $1 will be charged for each originated Same Day ACH credit and debit transaction.
Existing ACH Originators should call 866-322-4249 to enroll in Same Day ACH. It's recommended that Originators review their systems to verify that they can create ACH files with the correct or intended effective date to accommodate Same Day ACH. All new Digital Banking for business customers that enroll in First Citizens ACH Service will automatically have access to Same Day ACH. Additional fees may apply.
Automated Payables automates and streamlines the invoice and payment process from beginning to end. From an affordable, cloud-based platform, it gives you command of cash flow by integrating securely with your current accounting software and provides visibility for timely payments. For all electronic payments, remittance details are automatically sent to vendors. It has the ability to use virtual or corporate credit cards to help you earn rebates and cash back.
Yes. Automated Payables has the ability to import and export .csv files. We're happy to show you how this process works.
If you choose to issue ACH payments, we set up the ACH origination for you. You then issue ACH transactions using Automated Payables, or any other delivery channel.
While business bill pay through Commercial Advantage is convenient, it doesn't provide invoice processing and full control over payments. Automated Payables provides a secure invoicing workflow with customized controls and segregation of duties to protect against fraud—all in one application.
Your vendor receives a secure email containing the card data needed to complete the payment. Once the transaction is completed, you’ll see the transaction within Automated Payables service, on your card statements, and all rebates or rewards will apply. It’s a great way to take advantage of card rewards within your account payable process.
If you have a First Citizens Visa Purchasing card, you can easily add card payments to the payments used with Automated Payables. A single-use card number is sent securely to your vendor to take the payment, and the transaction appears on your card statement. Visa can assist you in identifying and communicating with your vendors to get broader card acceptance.
When you send a check payment from Automated Payables, we send your check data, including signature, as part of the setup to Harland Clarke®. The check is then printed and mailed first class to the vendor address in Automated Payables. An email is sent to the vendor to let them know the check was issued. You have the option of sending checks express mail if you need, however additional postage is required.
Automated Payables tracks any payment delivery method you choose. If you pay a vendor through their online portal, a manual check or with cash, you can manually enter the payment into the payment workflow for approval and tracking.
No. Other payment options available are check, virtual card, vendor online portal and manual payment. You can use all or just some payment types and set default payments specific to your vendors. This creates efficiencies and control over all of your accounts payable processes, and provides reporting visibility of your cash flow.
Automated Payables provides you with a dedicated email address that you give to your vendors for sending invoices. If you receive paper invoices, you can scan and send them to that address. Automated Payables extracts the header information and line item details. It's an overnight process, but you can enter the invoice information directly, if you choose.
Automated Payables can help you go paperless with your invoice capture and approval processing. You can have vendors email you invoices. Automated Payables then collects the data directly from the invoices—you'll no longer have to scan them. Approval workflows can be customized at the company or vendor level to process payments much more efficiently.
Yes. You can make a manual check payment while still taking advantage of invoice capture and approval. The payment approval and workflow would still be part of the Automated Payables process, you would just issue a paper check. The approval and audit trail would be within Automated Payables and your accounts payable software.
Yes. You can use Automated Payables as a standalone service to help streamline your accounts payable processes. You'll benefit from invoice capture, approval workflows, payment approvals and initiation workflows.
Yes. Other payment options available are check, ACH, vendor online portal and manual payment. You can use all or just some payment types and set default payments specific to your vendors. This creates efficiencies and control over all of your accounts payable processes, and provides reporting visibility of your cash flow.
No. Positive Pay is an optional service that can enhance your current risk management processes by examining checks for fraud. However, using Positive Pay as part of Automated Payables enables you to automatically have your check issue file become a part of the check register that we validate. If there are any checks that don't match the payee, dollar amount and date that you issued, we'll let you know through Commercial Advantage.
The association’s insurance typically includes property and casualty policies for all common area property and equipment. In townhome associations, this usually includes the entire exterior of the structures. In condominium associations, this usually includes the entire structure of the building. It may also include liability and directors and officers policies that cover directors, committee members and volunteers working on behalf of the association. For complete information about your associations insurance coverage, please contact your association directly.
Visit our Property Management Resources page and select the link for the online account you wish to access.
Foreign Exchange Services
FXEnvoy is our online international payments client portal that empowers businesses with a fast, efficient and secure method for facilitating international business from the convenience of their computers. It offers real-time FX rates, FX payment and risk management solutions as well as our new multi-currency accounts in a secure online environment.
Sending an international payment online with FXEnvoy is a simple process that can take less than a minute. Just book your FX transaction online and apply your beneficiary's payment instructions. Once you book your exchange rate, it's locked in and won't fluctuate prior to delivery.
Unless the beneficiary has specifically requested US dollars, generally, it may be beneficial to send your payment in the local currency of the beneficiary. US dollars sent to an account that is denominated in a foreign currency may take longer to be received and may incur higher bank charges than if you send the local currency.
International wire transfers are more efficient than foreign drafts, and funds are usually available immediately upon receipt by the beneficiary.
IBAN stands for International Bank Account Number. It’s a domestic account number standard for all retail and commercial payments in the European Union. A growing number of other countries have also adopted this same format for routing domestic payments. IBANs are assigned by foreign banks to their customers and can consist of up to 34 alphanumeric characters.
Our payment platform has a built in IBAN validation that will let you know if the IBAN is not valid.
We utilize multiple layers of security in order to help safeguard your confidential information including two-factor authorization and maker-checker functionality for templates and payments.
You can easily enroll in Digital Banking for business by visiting your local branch or giving us a call. You'll need an active First Citizens business account to get started.
You'll get immediate access to begin using Digital Banking once your enrollment is complete.
When logging in to Digital Banking for the first time, visit our homepage and select First Time Log In from the login box or select the New User Log In link from the mobile app login screen. Enter the login ID you selected when you opened your account and follow the steps to receive and enter your one-time Secure Access Code.
If you'll be using the device regularly, we recommend selecting the option to Register Device to avoid entering a temporary Secure Access Code every time you log in.
You can change your login ID and password by selecting the Forgot ID/Password? link in our login box or by selecting the Forgot Password or Forgot Login ID links from the mobile app login screen. When changing your login ID or password, please follow these guidelines.
- Login IDs must be 6 to 14 characters.
- Your login ID can't be the same as your password.
- Passwords are case sensitive and must be between 8 and 14 characters. They also must include at least one uppercase letter, one number and one special character.
If you've forgotten your user ID and password, you can reset these yourself.
- To reset your password, select the Forgot ID/Password link and follow the prompts. If you're using your mobile device, you'll select the Forgot Password link from the mobile app login screen.
- To reset your login ID, select the Forgot ID/Password link and follow the prompts. If you're using your mobile device, you'll select the Forgot Login ID link from the mobile app login screen.
- You'll need your account number, Social Security number or Tax ID number, as well as the email address we have on file for you in Digital Banking.
At this point, if you still can't log in, you can have your credentials reset by giving us a call.
To log in for the first time or register your device, you'll need to have access to at least one of your preferred contact methods (phone number or SMS text number) to receive a one-time secure access code. If you don't have access and need immediate assistance, please give us a call or visit your local branch.
It's recommended that you review your profile and contact information on a regular basis to ensure that your preferred method of contact is provided within the system.
As a security precaution, entering an incorrect password too many times will result in you being unable to access Digital Banking. If you get locked out, please give us a call.
You can create additional users for your business within Manage Users under Business Services. You can grant access to accounts and customize account and transaction level access, including designating the authority to initiate, approve and cancel transactions, and make mobile deposits. You can also manage users on the go using our mobile app. A fee applies for additional users. See our fee schedule for more information.
Your Digital Banking app should work outside of the US as long as your mobile service provider has internet service in the country you're visiting. However, First Citizens makes no guarantees about international coverage or availability. Check with your carrier for more information about international service coverage, roaming charges, internet access, and message and data charges.
Yes. You can manage cards anytime you need. Lock or unlock your card when it's been temporarily misplaced, report travel, report a stolen card, change your PIN and more. You can also activate a new card within Digital Banking.
Digital Banking/Account Management
Yes. You can create additional users for your business through User Management. You can grant access to accounts and customize account and transaction level access, including designating the authority to initiate, approve, and cancel transactions and make mobile deposits. You can also manage users on the go with mobile and tablet banking. A fee applies for additional users. See our fee schedule for more information.
Digital Banking/Payments and Transfers
Yes. Initiation of ACH payments or collections are available. ACH payment transactions are processed on a prefunded basis based on available funds. You must enroll in advance for access to ACH services within Digital Banking. See our Digital Banking fee schedule for more information.
You can make both federal and state tax payments. However, you must enroll in advance for access to this service. A per-transaction fee applies to each tax payment transaction. See our Digital Banking fee schedule for more information.
Domestic wires can be sent to US recipients using the Routing Transit Number, or RTN, for the US financial institution. However, you must enroll in advance for access to wire transfer services via Digital Banking. A monthly fee applies for wire module access and a per-transaction fee applies to each wire transaction. See our Digital Banking fee schedule for more information.
At this time, international wires aren't available within Digital Banking.
While Zelle® is a great way to pay many eligible small businesses, it's only available for consumer Digital Banking customers at First Citizens.
Digital Banking/Security and Alerts
Alerts can help you manage your money and stay in touch with your accounts any time through email or text message. Some security alerts are required and will keep you informed about changes to your online profile. Other alerts are optional and will notify you about specific activity occurring on your accounts, such as:
- Online security alerts to notify you in the case of certain activity on your Digital Banking profile
- Account alerts to notify you when certain transactions occur in your checking and savings accounts
- Card alerts to notify you about your debit and credit card activity
Security alerts are real-time emails or text alerts that tell you when your account has been accessed, when there's an attempt to change your login ID or password, or when changes are made to your profile. To learn more, log in to Digital Banking and select Alerts, then Security Alerts, or visit our Alerts page.
Yes. The first time you log in from a new device, you'll receive a one-time secure access code. If the device you're using is a computer you use often and always physically control, you may choose to register it. Then whenever you log in, you'll be recognized on the computer.
Remember to register only on devices you trust to keep your data secure. Registering a public computer puts your security at risk, as anyone who uses that computer after you may be able to access your account.
Digital Banking/Accounting Software Support
Quicken® and QuickBooks® are types of financial management software. You can use Digital Banking to upload your transactions to this software to manage your finances.
If you need technical assistance, help getting started with your software or uploading transactions, please visit the Quicken® or QuickBooks® websites.
Before you begin using Quicken® or QuickBooks® websites:
- Review the legal terms and conditions in our Digital Banking Agreement
- View our Digital Banking charges in our Digital Banking Fee Schedule
- Contact us to enroll in Quicken® or QuickBooks®. Fill out the form and select Quicken or QuickBooks Enrollment from the What are you interested in? options menu. A representative will contact you within 2 business days to complete your enrollment.
Yes, some. Business Digital Banking allows your transaction history to be downloaded into Excel formats, which can be uploaded into most accounting systems. In addition, many accounting software packages support logging in to Digital Banking for downloading account history. Please review your accounting system to determine their compatibility.
Digital Banking/Mobile Banking
First Citizens doesn't charge fees to download or use our mobile banking app on your mobile phone or tablet. There may be a fee for using certain services in Digital Banking. Refer to the Business Digital Banking Fee Schedule for more information. Your mobile carrier may charge you for data and text message usage. Check with your carrier for more information.
The mobile authorizations feature allows your business to set users up to approve transactions on their mobile devices. You'll need to create a mobile authorization code for the user, enter their contact information and specify the types of transactions they can approve. They'll then be able to approve the specified types of transactions on their tablet or mobile phones.
Our app supports all iPhone® and iPad® devices with the current iOS operating system, as well as the previous two versions. Our app also supports Android™ mobile and tablet devices with the current Android operating system, as well as the previous two versions.
Note: Earlier versions of browsers and operating systems may still be able to access Digital Banking. However, certain features may not display or function correctly. Additional bug fixes and security enhancements may not be available on older versions.
First Citizens Mobile Check Deposit will accept several check types.
You can deposit:
- Personal, business and government checks payable in US dollars
- Checks drawn on a US bank
- Checks payable and endorsed by the account holder
For full details, please refer to the Business Digital Banking Agreement.
Please see our Business Digital Banking Fee Schedule and Digital Banking Agreement.
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.
iPhone, Touch ID and Face ID are a registered trademark of Apple, Inc. Apple is a trademark of Apple, Inc., registered in the US and other countries. App Store is a service mark of Apple, Inc.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Please see the Zelle® Terms of Service.
Quicken and QuickBooks are registered trademarks of Intuit, Inc. First Citizens Bank is not affiliated or associated with Intuit, Inc.
Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.