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 International Wires......................................................................................................49 To enroll in International Wires.......................................................................................... 49 To Remove International Wires Access............................................................................. 50 Create and Send an International Wire............................................................................. 51 International Wire FAQ........................................................................................................ 53 ACH & Payroll ACH Template Overview....................................................................54 Creating a Template....................................................................................................55 ACH Batch.............................................................................................................................. 56 ACH Payment........................................................................................................................ 58 ACH Collection...................................................................................................................... 60 Domestic Wire...................................................................................................................... 62 Payroll.................................................................................................................................... 64 Sending a Single Payment..........................................................................................66 ACH Batch.............................................................................................................................. 66 ACH Payment........................................................................................................................ 69 ACH Collection...................................................................................................................... 71 Domestic Wire...................................................................................................................... 74 Payroll.................................................................................................................................... 76 Splitting a Payment.............................................................................................................. 78 Payment from File.......................................................................................................79 Importing a CSV file.............................................................................................................. 79 Importing a NACHA file........................................................................................................ 81 Viewing, Approving or Canceling a Transaction......................................................83 Single Transaction................................................................................................................ 83 Multiple Transactions.......................................................................................................... 84 ACH Prenotes........................................................................................................................ 85