First Citizens Bank Digital Banking for Business User Guide

Digital Banking for Business User Guide

II

Published by Murphy & Company, Inc. 13610 Barrett Office Drive

St. Louis, MO 63021 www.mcompany.com

© 2009-2025 Murphy & Company, Inc. Quicken is a registered trademark of Intuit, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2 Software, Inc.

Quicken and QuickBooks are registered trademarks of Intuit, Inc. First Citizens Bank is not affiliated or associated with Intuit, Inc.

Apple, the Apple logo and Apple Pay are trademarks of Apple, Inc., registered in the US and other countries.

Disclaimer Quicken is a registered trademark of Rocket Mortgage, LLC. Intuit and QuickBooks are registered trademarks of Intuit Inc. Adobe and Adobe Reader are either registered trademarks or trademarks of Adobe in the United States and/or other countries. Apple, the Apple logo, Apple Pay, Mac, and Macintosh are registered trademarks of Apple, Inc. All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission. All third-party trademarks referenced by herein remain the property of their respective owners. First Citizen Bank’s use of third-party trademarks does not indicate any relationship, sponsorship, or endorsement between First Citizens Bank and the owners of these trademarks. All references by First Citizens Bank to third-party trademarks are to identify the corresponding third-party goods and/or services and intended to constitute nominative fair use under applicable trademark laws.

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Getting Started

Welcome to First Citizens Digital Banking for business! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Digital Banking for business experience easy and convenient. You can navigate this guide by searching a topic or clicking on a feature in the Table of Contents. Additional Quick Tips on this guide’s functionalities are below. Each section provides an overview and steps to help you during the Digital Banking for business experience. If you have additional questions, contact us at

866-322-4249. QUICK TIPS SEARCH

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Table of Contents Getting Started

Desktop New User Enrollment....................................................................................9 First Time Log In..........................................................................................................10 Logging In.....................................................................................................................13 Logging Off ........................................................................................................................... 14 Retrieve a Forgotten Username................................................................................15 Resetting a Forgotten Password ...............................................................................16 Home Page Home Page Overview .................................................................................................18 Account Summary Overview .............................................................................................. 20 Mobile Thumb Bar ......................................................................................................21 Accounts Account Transactions .................................................................................................22 Exporting Transactions ....................................................................................................... 24 Quick Transfer.............................................................................................................25 Account Nickname......................................................................................................26 Details & Settings........................................................................................................27 Account Grouping.......................................................................................................28 Editing a Group Name......................................................................................................... 29 Deleting a Group.................................................................................................................. 29 Mortgages ....................................................................................................................30 Security Protecting Your Information......................................................................................36 General Guidelines .............................................................................................................. 36 Login ID and Password........................................................................................................ 36 Fraud Prevention ................................................................................................................. 36 Mobile Log In Preferences .........................................................................................38 Enabling Touch ID ® or Fingerprint Login........................................................................... 38 Enabling Passcode Authentication .................................................................................... 40 Enabling Face ID ®.................................................................................................................................................................................................. 41 Disabling Passcode Authentication, Touch ID ® , Fingerprint or Face ID ® Login ............ 42 Apple® Watch .............................................................................................................43 Apple® Watch Setup ........................................................................................................... 43 Viewing Balances and Transactions .................................................................................. 43 Message Center Message Center Overview .........................................................................................44 Sending a Secure Message ........................................................................................45

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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

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100 Tax Payments ........................................................................................................... Deleting a Template ...................................................................................................99 Pay Loan or Credit Card .......................................................................................... 102 To pay a loan or credit card with a First Citizens Bank account:................................. 102 To pay a loan or credit card with a non-First Citizens Bank account or debit card:. 103 To pay a loan or credit card with an external checking or savings account:............. 103 To pay a loan or credit card with an external debit card account:............................. 103 View Payment Activity (for Loans and Credit Cards) ........................................... 104 Manage Online Activity............................................................................................ 106 Editing and Cancelling Transfers..................................................................................... 106 Manage Payments ................................................................................................... 108 Using Filters .............................................................................................................. 109 Business Services Users Overview ........................................................................................................ 111 Manage Users Overview .................................................................................................. 112 Adding a New User .......................................................................................................... 113 Part 1 of 5: Establishing Transaction Type Rights ......................................................... 114 Part 2 of 5: Disabling a Transaction Type ...................................................................... Part 3 of 5: Editing Approval Limits for a Transaction Type ........................................ 116 Part 4 of 5: Establishing Rights to Access Features....................................................... 117 Part 5 of 5: Establishing Rights to Access Accounts...................................................... 118 Editing an Existing User’s Rights ............................................................................ 119 Deleting a User......................................................................................................... Recipient Overview .................................................................................................. 121 ACH Only- Part 1 of 2: Adding a Recipient ..................................................................... 122 ACH Only- Part 2 of 2: Recipient Account Detail ........................................................... 123 ACH & Wire- Part 1 of 4: Adding a Recipient.................................................................. 124 ACH & Wire- Part 2 of 4: Beneficiary Bank Detail.......................................................... ACH & Wire- Part 3 of 4: Intermediary Bank Detail ...................................................... 126 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................ 127 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient .............................................. 128 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail ............................................. 129 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail.......................................... Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail ..................................... 131 Editing a Recipient ................................................................................................... 132 Editing a Recipient’s Templates....................................................................................... 133 Deleting a Recipient................................................................................................. 134 105 Manage Recurring Payments ................................................................................. 110 115 120 125 130 Editing or Using a Template ......................................................................................98 Creating or Deleting Custom Views Using Favorites ....................................................

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International Wires .................................................................................................. 135 Create and Send an International Wire.......................................................................... 136 International Wire FAQ..................................................................................................... 138 International Wire Dual Authorization .................................................................. 139 What is dual authorization for international wires? .................................................. 139 Dual Approval for Wire/ACH Initiation .................................................................. 141 Step 1: Create the Wire/ACH Transaction...................................................................... 141 Step 2: Options after Drafting ....................................................................................... 141 Step 3: Approving the Wire/ACH..................................................................................... 142 Set Approval Alerts .................................................................................................. 143 Positive Pay for ACH Transactions Introduction.............................................................................................................. 144 Managing Exceptions .............................................................................................. 145 Add an ACH Authorization Rule ............................................................................. 147 Positive Pay for Check Transactions Introduction.............................................................................................................. 149 Managing Exceptions .............................................................................................. 150 Add a Check Confirmation...................................................................................... 152 Submit Issued Check File ........................................................................................ 153 Advanced Options - Positive Pay for Check Transactions Introduction.............................................................................................................. 154 To Upload an Issued Check File ............................................................................. 155 Manually Enter a Check........................................................................................... 156 Void a Check ............................................................................................................. 157 Managing Exceptions within Advanced Options.................................................. 158 Issued Check Processing Log.................................................................................. 160 Business Bill Pay Home Page Overview .............................................................................................. 161 Add a Payee .............................................................................................................. 163 Company............................................................................................................................ 163 Import Payees .......................................................................................................... 165 Edit a Payee .............................................................................................................. 168 Delete a Payee.......................................................................................................... 169 Add and Manage Categories .................................................................................. 170 One-Time Payment.................................................................................................. 171 Edit or Stop a One-Time Payment ......................................................................... 172 Create a Recurring Payment................................................................................... 173

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Edit or Stop a Recurring Payment.......................................................................... 175 Setting Up eBills ....................................................................................................... 177 Payment Approval ................................................................................................... 178 Calendar.................................................................................................................... 179 Company Profile ...................................................................................................... 180 Delete or Edit Bill Pay Accounts ............................................................................. 181 Manage Users........................................................................................................... 182 Personal Profile........................................................................................................ 183 e-Notifications .......................................................................................................... 184 Events ................................................................................................................................. 184 Logout ................................................................................................................................ 185 Recurring............................................................................................................................ 186 Reminders.......................................................................................................................... 187 Reports...................................................................................................................... 188 Mobile Bill Pay Home Page Overview .............................................................................................. 189 Add a Payee .............................................................................................................. 191 Company............................................................................................................................ 191 Import Payees .......................................................................................................... 193 Edit a Payee .............................................................................................................. 194 Delete a Payee.......................................................................................................... 195 Add and Manage Categories .................................................................................. 196 One-Time Payment.................................................................................................. 197 Edit or Stop a One-Time Payment ......................................................................... 198 Setting Up eBills ....................................................................................................... 200 Create a Recurring Payment................................................................................... 201 Edit or Stop a Recurring Payment.......................................................................... 203 Payment Approval ................................................................................................... 205 Calendar.................................................................................................................... 206 Company Profile ...................................................................................................... 207 Delete or Edit Bill Pay Accounts ............................................................................. 208 Manage Users........................................................................................................... 209 Personal Profile........................................................................................................ 210 e-Notifications .......................................................................................................... 211 Events ................................................................................................................................. 211 Logout ................................................................................................................................ 212 Recurring............................................................................................................................ 213 Reminders.......................................................................................................................... 214 Reports...................................................................................................................... 215

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Alerts Account & Card Alerts ............................................................................................. 216 Account Alerts ................................................................................................................... 216 Card Alerts ......................................................................................................................... 217 Security Alerts........................................................................................................... 218 Editing Delivery Preferences............................................................................................ 219 Mobile Check Deposits Mobile Check Deposits............................................................................................ 220 Manage Cards Manage Cards .......................................................................................................... 221 To Activate a Card ............................................................................................................. 222 To Lock/Unlock Card......................................................................................................... 223 Manage Employee Cards ........................................................................................ 224 Manage the Entitlement for Your Users ........................................................................ 224 Adding Employee Cards.......................................................................................... 226 Closing Employee Cards.......................................................................................... 227 Adjusting Spending Limits ...................................................................................... 228 Statements & Documents Statements................................................................................................................ 229 Tax Documents ........................................................................................................ 230 eStatements Delivery .............................................................................................. 231 Service Center Order Checks............................................................................................................ 232 Request Check Copy................................................................................................ 233 Stop Payment Request............................................................................................ 234 Single Check ...................................................................................................................... 234 Multiple Checks ................................................................................................................ 235 Order Foreign Currency .......................................................................................... 236 Manage User Rights to Order Foreign Currency........................................................... 237 Additional Services................................................................................................... 239 Online Agreement............................................................................................................. 239 Privacy and Security.......................................................................................................... 239 Branches and ATMs.......................................................................................................... 240 Customer Support ............................................................................................................ 242

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Profile and Preferences Profile and Contact Information ............................................................................ 243 Account Preferences ............................................................................................... 244 Log In Preferences ................................................................................................... 245 Change Password ............................................................................................................. 246 Change Login ID ................................................................................................................ 247 Secure Delivery ................................................................................................................. 248 Secure Delivery with International Contact Information ............................................. 249 Accessibility............................................................................................................... 250

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Getting Started Desktop New User Enrollment

In order to qualify for a Digital Banking for business account, customers must have an eligible First Citizens business account. If you have a business account with First Citizens, but have not enrolled in Digital Banking for business, you will need to visit your local branch or call First Citizens Bank at 866-322-4249. You are unable to enroll in Digital Banking for business online or over the phone. Once your enrollment is complete, you will have immediate access to begin using First Citizens Digital Banking for business. Note : You will be able to view all your First Citizens business accounts and/or personal accounts. This includes business checking and savings, CDs, IRAs, business loans, credit cards and lines of credit.

Getting Started: Desktop New User Enrollment

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Getting Started First Time Log In

After your first-time enrollment, logging in is easy and only requires your login ID and password. If you are logging in on a device that you have not previously registered, you need to request a SAC. Desktop 1

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If you signed up for an account with First Citizens in a branch or over the phone, and were enrolled in Digital Banking for business: 1. Go to firstcitizens.com/small-business and click the Log In button. 2. Click the First Time Log In button. 3. Enter your ID and click the Submit button. 4. Choose the contact method that allows First Citizens to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. If you close your browser before receiving the SAC, you can log in again and select the I already have a Secure Access Code button. 5. Enter the SAC and click the Submit button. 6. Review and update your contact information and click the Submit Profile button.

Getting Started: First Time Log In

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7. Choose whether to register your device for future logins. If you’re using a personal computer or mobile device, you’re advised to choose “Register Device” to avoid having to enter a Secure Access Code every time you log in. If you’re using a public or shared computer, you shouldn’t select “Register Device”. Device registrations expire after 90 days 8. Create your password. 9. Review the First Citizens Digital Banking Consent to Receive Electronic Disclosures and the First Citizens Digital Banking Agreement. To agree to the terms and conditions within, click the I Accept button. 10. Congratulations! You have successfully logged in to Digital Banking for Business! If you have any questions or concerns, call us at 866-322-4249.

Getting Started: First Time Log In

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Mobile

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1. Click the “New User Log In” link. 2. Enter your ID and click the Submit button. 3. Choose the contact method that allows First Citizens to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. If you close your browser before receiving the SAC, you can log in again and select the I already have a Secure Access Code button. 4. Enter the SAC and click the Submit button. 5. Choose whether to register your device for future logins. Device registrations expire after 90 days. 6. Create your password. 7. Review the First Citizens Digital Banking Consent to Receive Electronic Disclosures and the First Citizens Digital Banking Agreement. To agree to the terms and conditions within, click the I Accept button. 8. Congratulations! You have successfully logged in to Digital Banking for Business! If you have any questions or concerns, call us at 866-322-4249.

Getting Started: First Time Log In

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Getting Started Logging In

After enrollment, logging in is easy and only requires your Login ID and password. If you are logging in on a device that is not recognized, you will need to request and then enter a Secure Access Code (SAC) before accessing Digital Banking for business. Desktop

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1. Go to firstcitizens.com/small-business and click the Log In button. 2. Use the drop-down to select a login type. 3. Enter your ID and password. 4. Click the Log In button. If your device has already been registered, you will automatically be taken to your “Accounts (Home)” page. Device registrations expire after 90 days.

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 866-322-4249 for assistance.

Getting Started: Logging In

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Mobile

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Navigate to the First Citizens Mobile or Tablet application, available in the Apple App Store ® and Google Play Store™, download the application, and navigate to the login screen. 1. Enter your Login ID and Password. 2. Click the Log In button.

Logging Off For your security, you should always log off when you finish your Digital Banking for Business session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

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Getting Started Retrieve a Forgotten Username

If you happen to forget your username, you can easily retrieve it from the First Citizens Home page. If you enter the wrong password too many times, your access will be denied and you will need to call us at 866-322-4249.

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1. Click the Log In button. 2. Click the “Forgot ID” link.

3. Enter your account number, social security number or tax ID and email address on file in Digital Banking for Business and click the Continue button. 4. Your login ID will then appear.

Getting Started: Retrieve a Forgotten Username

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Getting Started Resetting a Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the First Citizens Home page—no need to call us!

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1. Click the Log In button. 2. Click the “Forgot ID/ Password?” link. 3. Enter your login ID and click the Submit button.

Note : You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device or you are using an incompatible browser version.

Getting Started: Resetting a Forgotten Password

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4. Choose the contact method that allows First Citizens to reach you immediately with a six-digit SAC. 5. Enter the SAC and click the Submit button. 6. Create a new password based on our password requirements, and click the Submit button when you are finished.

Note : Temporary passwords sent from Digital Banking or by choosing “Forgot password” are only good for 5 minutes.

Getting Started: Resetting a Forgotten Password

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Home Page Home Page Overview

After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Digital Banking for Business. Here you can view the balances in both your linked and First Citizens accounts, see your account summaries and more!

D

C

E

B

F

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B C

Home Page: Home Page Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Digital Banking for Business features by selecting the appropriate drop-down tab. B. Your First Citizens accounts and linked external accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Transactions page. Here, you can toggle to the Details & Settings page for additional information. You can also click the icon on the right side of an account card, and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. You can also create a new group or edit the name of an existing group. F. If you click and hold an account card, you can drag and drop it to a new location to change the order your accounts appear.

Home Page: Home Page Overview

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Account Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to Account Summary on the Home page. This interactive chart shows your total assets, represented by specific colors and percentages.

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E

$2,483,570

$3,463,570.78

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A. Select the appropriate tab to view either your asset or debt accounts. B. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. C. Each colored piece represents one of your First Citizens or linked accounts and displays its percentage of total funds and its balance. Hover the mouse over the colored piece to see additional information. D. Clicking "Next" or "Previous" lets you view different accounts and details. E. You can click the "View Transactions" link for more information.

Home Page: Home Page Overview

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Home Page Mobile Thumb Bar

When accessing Digital Banking from your iPhone ® or Android ® device, you will have quick access to frequently used services.

The Mobile Thumb Bar will always be visible and include the following options: • Accounts: Takes you back to the Accounts (Home) page. • Deposit (Mobile Check Deposit): Takes you to the Mobile Check Deposit page. • Zelle ® : Takes you to Zelle ® . • Menu: Displays the menu, which will populate on the left side of the screen.

Home Page: Mobile Thumb Bar

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Accounts Account Transactions

Selecting a First Citizens account on the Home page takes you to the Account Transactions page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances, so you stay organized and on top of your finances.

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$3,570.78 $3,570.78

$3,570.78

$3,570.78

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C D E

F G

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J

-$100.74 $3,570.78

I

Accounts: Account Transactions

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A. On the Home page, you can click on an account name to view the Account Transactions screen. B. The current and available balances of that account displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. See page 25 for additional details. F. Export your transactions into a different format by clicking the icon. G. The icon lets you print a list of transactions. H. The icon indicates how the Date, Description and Amount columns

are sorted.

I. You can view more details about a transaction by clicking on it. J. The icon lets you print details about that transaction.

Accounts: Account Transactions

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Exporting Transactions

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On the Home page, click on an account name to view the Account Transactions screen. 1. Click the icon to filter transactions to your desired report criteria, including date ranges or transaction types or amounts. 2. Click the icon to select your desired format to download transaction data. 3. This will automatically download and save to your computer’s download file. Open the file to review or save it to your desired location.

Accounts: Account Transactions

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Accounts Quick Transfer

No need to run to a branch to move money from one account to another. If you’re ever in a rush, the Quick Transfer option is a simple and fast way to make a transfer. Note : Quick Transfer is only available for DDA’s. It’s not available on loans or credit card accounts.

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$3,570.78 $3,570.78

$3,570.78

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1. Click the

icon on the right side of an account card and select Quick

Transfer. 2. Select the “From” and “To” accounts using the drop-downs. 3. Enter an amount to transfer. 4. Enter a transfer date. 5. (Optional) Click the Advanced Options button to be display Frequency

options. 6. Click the Transfer Funds button when you are finished.

Accounts: Quick Transfer

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Accounts Account Nickname

Change an account’s nickname directly from the Home page.

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$3,570.78 $3,570.78

$3,570.78

$3,570.78

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1. Click the

icon on the right side of an account card and select Nickname

Account. 2. Enter a new account nickname. The global nickname changes the account name for all users who don’t have their own nickname set for this account. Your personal nickname for this account is only visible to you. 3. Click the Save button when you are finished. Note : You can also nickname your account on the Details & Settings page. Go to page 27 for more information.

Accounts: Account Nickname

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Accounts Details & Settings

View additional details about an account and change the account’s visibility.

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$3,570.78 $3,570.78

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1. Click the

icon on the right side of an account card and select View Details.

2. Click the icon to edit the display name. 3. Use the switches to toggle whether or not your account is visible on the Home page.

Note : Go to page 26 for information about global versus personal nicknames.

Accounts: Details & Settings

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Accounts Account Grouping

You can organize your internal and linked accounts into groups, so the Home page appears in a way that makes sense to you. These groups can always be changed or deleted to meet your needs.

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$3,570.78 $3,570.78

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1. Create a new group by clicking the 2. Use the drop-down to select an account. 3. Enter the group name. 4. Click the Save button.

icon and selecting “Create new group.”

Accounts: Account Grouping

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Editing a Group Name The names of existing groups can be edited in just two easy steps.

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$370.78

$370.78

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$264,370.78

1. Click the icon and select “Edit group name.” 2. Enter a new name and click the check mark when you are finished. Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page.

$4,900.58

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$264,370.78

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1. Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it.

2. Click the Yes, delete button to delete the group.

Accounts: Account Grouping

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Accounts Mortgages

Access mortgage details, make mortgage payments, view your mortgage payment history and more.

$45,570.78

$570.78 $570.78

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1. On the Accounts page, click on a mortgage account tile.

Note : Clicking on the mortgage account takes you to a new window.

Accounts: Mortgages

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A

B

A. Payments: Allows the customer the option to make a payment, set up recurring draft options, view payment history and update payment information. B. Make a Payment: Allows the customer to make a mortgage payment. C. Profile Settings: The Profile screen gives the customer the option to update their address and phone number.

Note : When you need to update your address for a mortgage, you need to go directly into the mortgage SSO to do so.

D. Make a Request: Allows the customer to request a Verification of Mortgage and/or Payoff. E. Statements: The Statements tab will display all monthly statements, 1098 and Escrow Analysis. Customers can also enroll in eStatements. F. Contact Us: Provides general information to reach Mortgage Servicing

Accounts: Mortgages

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C

A. Profile Settings: The Profile screen gives the customer the option to update their address and phone number.

Note : When you need to update your address for a mortgage, you need to go directly into the mortgage SSO to do so.

Accounts: Mortgages

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D

A. Make a Request: Allows the customer to request a Verification of Mortgage and/or Payoff.

Accounts: Mortgages

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E

B. Statements: The Statements tab will display all monthly statements, 1098 and Escrow Analysis. Customers can also enroll in eStatements.

Accounts: Mortgages

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F

A. Contact Us: Provides general information to reach Mortgage Servicing

Accounts: Mortgages

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Security Protecting Your Information

Here at First Citizens, we do everything we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Digital Banking for Business can be a secure and efficient method for all your banking needs. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Digital Banking for Business. • Monitor your recent account history for unauthorized transactions. • Always log off of Digital Banking for Business when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices, and avoid using features that save your login IDs and passwords. • Never share your Login ID or Password Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 888-322-4249.

Security: Protecting Your Information

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• We will never contact you and ask for your Digital Banking Secure Access Code. DON’T SHARE it with ANYONE. • Configure Security Alerts for delivery to SMS/text for more immediate notifications related to security events.”

Security: Protecting Your Information

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Security Mobile Log In Preferences

Within First Citizens’ Digital Banking for Business app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into the mobile version of Digital Banking for Business quick and easy, but also add an extra layer of security to your private information while you are on the go! Enabling Touch ID ® or Fingerprint Login Touch ID ® and Fingerprint Login use fingerprint recognition technology, allowing you to perform tasks on your Apple ® or Android TM device with just your fingerprint. With this feature enabled, you can quickly and securely access your accounts using our mobile app! Apple ®

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Android TM

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Sign in to First Citizens’ Digital Banking for Business app and tap the Menu button. In the Profile & Preferences dropdown, click Log In Preferences . Toggle the Touch ID ® or Fingerprint Login switch from “Off” to “On.” 1. Review the information about using fingerprint authentication and tap the Continue button. 2. Enter your login ID and password, and tap the Authorize button.

Note : You must have Touch ID ® or Fingerprint Login enabled on your mobile device before enabling it through our Digital Banking for Business app.

Security: Mobile Log In Preferences