First Citizens Bank Digital Banking for Business User Guide

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A. Select the From Account to be debited (all users will have access to all debit accounts shown). B. Select the To Account (beneficiary) from the list of available beneficiary templates. C. Select Delivery Method as standard/Spot payment. D. Include the Purpose of Payment which can include invoice numbers and additional information. E. Select BEN or OUR. Selecting BEN is the default and means any intermediary bank charges could be deducted from the payment before the beneficiary bank receives the funds. OUR means intermediary bank fees are for the account of sender (there is an additional $10 fee for this option). F. Enter the amount as the USD equivalent or the foreign equivalent. A Get Rate button will appear for non-USD payments. G. After selecting Get Rate (non-USD payments) a countdown will begin to Accept or Reject the rate. Note: Before Get Rate appears, you’ll be prompted to Send Verification Code via text or email. H. Once verified, the payment can be submitted by selecting the Confirm Payment button.

Note : Once the payment is confirmed, it will be sent for processing; there’s no additional approval required.

Business Services: International Wires