First Citizens Bank Digital Banking for Business User Guide

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Move Money (Payments & Transfers) Digital Banking for Business Overview.....................................................................46 Users...................................................................................................................................... 46 Recipients.............................................................................................................................. 46 Digital Banking for Business for Business Transaction Types ....................................... 47 ACH and Wire Cutoff Times ................................................................................................ 47 Transfer Funds Between Accounts...........................................................................48 Send Money with Zelle ® for Your Business Enrollment ...................................................................................................................50 One-time Enrollment........................................................................................................... 50 Adding a Trusted Recipient................................................................................................. 51 Adding New Recipients from Device ................................................................................. 53 Receive Money with Zelle ® ........................................................................................55 Send Money with Zelle ® .............................................................................................56 Request Money with Zelle ® ........................................................................................58 Split Expenses with Zelle ® ..........................................................................................59 Activity in Zelle ® ...........................................................................................................60 Zelle ® Settings ..............................................................................................................61 Zelle ® Limits .................................................................................................................62 Zelle ® FAQ.....................................................................................................................63 ACH & Payroll ACH Template Overview ...................................................................64 Creating a Template ...................................................................................................65 ACH Batch ............................................................................................................................. 66 ACH Payment........................................................................................................................ 68 ACH Collection...................................................................................................................... 70 Domestic Wire...................................................................................................................... 72 Payroll.................................................................................................................................... 74 ACH & Wire Payments................................................................................................76 ACH Batch ............................................................................................................................. 76 ACH Payment........................................................................................................................ 79 ACH Collection...................................................................................................................... 81 Domestic Wire...................................................................................................................... 84 Payroll.................................................................................................................................... 86 Splitting a Payment.............................................................................................................. 88 Payment from File.......................................................................................................89 Importing a CSV file ............................................................................................................. 89 Importing a NACHA file ....................................................................................................... 91 Viewing, Approving or Canceling a Transaction......................................................94 Single Transaction................................................................................................................ 94 Multiple Transactions.......................................................................................................... 95 ACH Prenotes ....................................................................................................................... 96