First Citizens Bank Digital Banking for Business User Guide

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Move Money (Payments & Transfers) Digital Banking for Business Overview.....................................................................37 Users...................................................................................................................................... 37 Recipients.............................................................................................................................. 37 Digital Banking for Business for Business Transaction Types ....................................... 38 ACH and Wire Cutoff Times ................................................................................................ 38 Transfer Funds Between Accounts...........................................................................39 Send Money with Zelle ® for Your Business Enrollment ...................................................................................................................41 One-time Enrollment........................................................................................................... 41 Adding a Trusted Recipient................................................................................................. 42 Receive Money with Zelle ® ........................................................................................43 Send Money with Zelle ® .............................................................................................44 Request Money with Zelle ® ........................................................................................46 Split Expenses with Zelle ® ..........................................................................................47 Zelle ® Settings ..............................................................................................................48 ACH & Payroll ACH Template Overview ...................................................................49 Creating a Template ...................................................................................................50 ACH Batch ............................................................................................................................. 51 ACH Payment........................................................................................................................ 53 ACH Collection...................................................................................................................... 55 Domestic Wire...................................................................................................................... 57 Payroll.................................................................................................................................... 59 Sending a Single Payment..........................................................................................61 ACH Batch ............................................................................................................................. 61 ACH Payment........................................................................................................................ 64 ACH Collection...................................................................................................................... 66 Domestic Wire...................................................................................................................... 69 Payroll.................................................................................................................................... 71 Splitting a Payment.............................................................................................................. 73 Payment from File.......................................................................................................74 Importing a CSV file ............................................................................................................. 74 Importing a NACHA file ....................................................................................................... 76 Viewing, Approving or Canceling a Transaction......................................................78 Single Transaction................................................................................................................ 78 Multiple Transactions.......................................................................................................... 79 ACH Prenotes ....................................................................................................................... 80 Editing or Using a Template ......................................................................................82 Deleting a Template ...................................................................................................83 Tax Payments ..............................................................................................................84 Pay Loan or Credit Card .............................................................................................86 To pay a loan or credit card with a First Citizens Bank account:.................................... 86