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 ® Tag Token Registration....................................................................................63 Zelle ® Tag Registration for a New Small Business User .................................................. 64 Zelle ® Tag Registration for an Existing Small Business User .......................................... 68 Zelle ® Tag Frequently Asked Questions ............................................................................ 70 Zelle ® FAQ.....................................................................................................................71 Wire and ACH Recipient Overview............................................................................72 ACH Only- Part 1 of 2: Adding a Recipient ........................................................................ 73 ACH Only- Part 2 of 2: Recipient Account Detail .............................................................. 74 ACH & Wire- Part 1 of 4: Adding a Recipient..................................................................... 75 ACH & Wire- Part 2 of 4: Beneficiary Bank Detail............................................................. 76 ACH & Wire- Part 3 of 4: Intermediary Bank Detail ......................................................... 77 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................... 78 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient ................................................. 79 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail ................................................ 80 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail............................................. 81 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail ........................................ 82 Editing a Recipient ......................................................................................................83 Editing a Recipient’s Templates.......................................................................................... 84 Deleting a Recipient....................................................................................................85 ACH & Wire Payments................................................................................................86 ACH Batch ............................................................................................................................. 86 ACH Payment........................................................................................................................ 89