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

© 2009-2024 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 Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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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....................................................................................8 First Time Log In............................................................................................................9 Logging In.....................................................................................................................12 Logging Off ........................................................................................................................... 13 Retrieve a Forgotten Username................................................................................14 Resetting a Forgotten Password ...............................................................................15 Home Page Home Page Overview .................................................................................................17 Account Summary Overview .............................................................................................. 19 Accounts Account Transactions .................................................................................................20 Quick Transfer.............................................................................................................22 Account Nickname......................................................................................................23 Details & Settings........................................................................................................24 Account Grouping.......................................................................................................25 Editing a Group Name......................................................................................................... 26 Deleting a Group.................................................................................................................. 26 Mortgages ....................................................................................................................27 Security Protecting Your Information......................................................................................28 General Guidelines .............................................................................................................. 28 Login ID and Password........................................................................................................ 28 Fraud Prevention ................................................................................................................. 28 Mobile Log In Preferences .........................................................................................29 Enabling Touch ID ® or Fingerprint Login........................................................................... 29 Enabling Passcode Authentication .................................................................................... 31 Enabling Face ID ®.................................................................................................................................................................................................. 32 Disabling Passcode Authentication, Touch ID ® , Fingerprint or Face ID ® Login ............ 33 Apple® Watch .............................................................................................................34 Apple® Watch Setup ........................................................................................................... 34 Viewing Balances and Transactions .................................................................................. 34 Message Center Message Center Overview .........................................................................................35 Sending a Secure Message ........................................................................................36

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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

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To pay a loan or credit card with a non-First Citizens Bank account or debit card: .... 87 To pay a loan or credit card with an external checking or savings account:................ 87 To pay a loan or credit card with an external debit card account: ................................ 87 View Payment Activity (for Loans and Credit Cards) ..............................................88 Pay Bank Customer ....................................................................................................89 Linking Someone’s First Citizens Account......................................................................... 89 Single Transfers Between First Citizens Accounts ........................................................... 91 Manage Online Activity...............................................................................................92 Editing and Cancelling Transfers........................................................................................ 92 Manage Payments ......................................................................................................94 Using Filters .................................................................................................................95 Creating or Deleting Custom Views Using Favorites ....................................................... 96 Business Services Users Overview ...........................................................................................................97 Manage Users Overview ..................................................................................................... 98 Adding a New User ............................................................................................................. 99 Part 1 of 5: Establishing Transaction Type Rights ......................................................... 100 Part 2 of 5: Disabling a Transaction Type ...................................................................... 101 Part 3 of 5: Editing Approval Limits for a Transaction Type ........................................ 102 Part 4 of 5: Establishing Rights to Access Features....................................................... 103 Part 5 of 5: Establishing Rights to Access Accounts...................................................... 104 Editing an Existing User’s Rights ............................................................................ 105 Deleting a User......................................................................................................... 106 Recipient Overview .................................................................................................. 107 ACH Only- Part 1 of 2: Adding a Recipient ..................................................................... 108 ACH Only- Part 2 of 2: Recipient Account Detail ........................................................... 109 ACH & Wire- Part 1 of 4: Adding a Recipient.................................................................. 110 ACH & Wire- Part 2 of 4: Beneficiary Bank Detail.......................................................... 111 ACH & Wire- Part 3 of 4: Intermediary Bank Detail ...................................................... 112 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................ 113 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient .............................................. 114 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail ............................................. 115 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail.......................................... 116 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail ..................................... 117 Editing a Recipient ................................................................................................... 118 Editing a Recipient’s Templates....................................................................................... 119 Deleting a Recipient................................................................................................. 120 International Wires .................................................................................................. 121 Create and Send an International Wire.......................................................................... 122 International Wire FAQ..................................................................................................... 124 Mobile Authorizations ............................................................................................. 125

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Positive Pay for ACH Transactions Introduction.............................................................................................................. 127 Managing Exceptions .............................................................................................. 128 Add an ACH Authorization Rule ............................................................................. 130 Positive Pay for Check Transactions Introduction.............................................................................................................. 132 Managing Exceptions .............................................................................................. 133 Add a Check Confirmation...................................................................................... 135 Submit Issued Check File ........................................................................................ 136 Advanced Options - Positive Pay for Check Transactions Introduction.............................................................................................................. 137 To Upload an Issued Check File ............................................................................. 138 Manually Enter a Check........................................................................................... 139 Void a Check ............................................................................................................. 140 Managing Exceptions within Advanced Options.................................................. 141 Issued Check Processing Log.................................................................................. 143 Fee Schedule Overview ................................................................................................................... 144 Business Bill Pay Home Page Overview .............................................................................................. 145 Add a Payee .............................................................................................................. 147 Company............................................................................................................................ 147 Import Payees .......................................................................................................... 149 Edit a Payee .............................................................................................................. 152 Delete a Payee.......................................................................................................... 153 Add and Manage Categories .................................................................................. 154 One-Time Payment.................................................................................................. 155 Edit or Stop a One-Time Payment ......................................................................... 156 Create a Recurring Payment................................................................................... 157 Edit or Stop a Recurring Payment.......................................................................... 159 Setting Up eBills ....................................................................................................... 161 Payment Approval ................................................................................................... 162 Calendar.................................................................................................................... 163 Company Profile ...................................................................................................... 164 Delete or Edit Bill Pay Accounts ............................................................................. 165 Manage Users........................................................................................................... 166 Personal Profile........................................................................................................ 167

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e-Notifications .......................................................................................................... 168 Events ................................................................................................................................. 168 Logout ................................................................................................................................ 169 Recurring............................................................................................................................ 170 Reminders.......................................................................................................................... 171 Reports...................................................................................................................... 172 Mobile Bill Pay Home Page Overview .............................................................................................. 173 Add a Payee .............................................................................................................. 175 Company............................................................................................................................ 175 Import Payees .......................................................................................................... 177 Edit a Payee .............................................................................................................. 178 Delete a Payee.......................................................................................................... 179 Add and Manage Categories .................................................................................. 180 One-Time Payment.................................................................................................. 181 Edit or Stop a One-Time Payment ......................................................................... 182 Setting Up eBills ....................................................................................................... 184 Create a Recurring Payment................................................................................... 185 Edit or Stop a Recurring Payment.......................................................................... 187 Payment Approval ................................................................................................... 189 Calendar.................................................................................................................... 190 Company Profile ...................................................................................................... 191 Delete or Edit Bill Pay Accounts ............................................................................. 192 Manage Users........................................................................................................... 193 Personal Profile........................................................................................................ 194 e-Notifications .......................................................................................................... 195 Events ................................................................................................................................. 195 Logout ................................................................................................................................ 196 Recurring............................................................................................................................ 197 Reminders.......................................................................................................................... 198 Reports...................................................................................................................... 199 Alerts Account & Card Alerts ............................................................................................. 200 Account Alerts ................................................................................................................... 200 Card Alerts ......................................................................................................................... 201 Security Alerts........................................................................................................... 202 Editing Delivery Preferences............................................................................................ 202 Mobile Check Deposits Mobile Check Deposits............................................................................................ 203

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Manage Cards To Activate a Card ............................................................................................................. 205 To Lock/Unlock Card......................................................................................................... 206 Manage Employee Cards ........................................................................................ 207 Manage the Entitlement for Your Users ........................................................................ 207 Adding Employee Cards.......................................................................................... 209 Closing Employee Cards.......................................................................................... 210 Adjusting Spending Limits ...................................................................................... 211 Statements & Documents Statements................................................................................................................ 212 Statement Delivery .................................................................................................. 213 Service Center Order Checks............................................................................................................ 214 Request Check Copy................................................................................................ 215 Stop Payment Request............................................................................................ 216 Single Check ...................................................................................................................... 216 Multiple Checks ................................................................................................................ 217 Order Foreign Currency .......................................................................................... 218 Manage User Rights to Order Foreign Currency........................................................... 219 Additional Services................................................................................................... 221 Open New Account........................................................................................................... 221 Order Visa Gift Cards........................................................................................................ 221 Online Agreement............................................................................................................. 222 Privacy and Security.......................................................................................................... 222 Customer Support ............................................................................................................ 222 Branches and ATMs Branches and ATMs................................................................................................. 223 Profile and Preferences Profile and Contact Information ............................................................................ 224 Account Preferences ............................................................................................... 225 Log In Preferences ................................................................................................... 226 Change Password ............................................................................................................. 227 Change Login ID ................................................................................................................ 228 Secure Delivery ................................................................................................................. 229 Secure Delivery with International Contact Information ............................................. 230 Change Background ................................................................................................ 231

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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. 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”.

Getting Started: First Time Log In

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7. Create your password. 8. Review both of the disclosures and the First Citizens Digital Banking Agreement, and click the I Accept button to agree to the terms and conditions. 9. 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: Desktop New User Enrollment

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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. 6. Create your password. 7. Review both of the disclosures and the First Citizens Digital Banking Agreement, and click the I Accept button to agree to the terms and conditions. 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: Desktop New User Enrollment

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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.

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.

Getting Started: Retrieve a Forgotten Username

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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! G

D

C

A

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$235,845.30

$47.70 $47.70

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$135,83.90

$89,463.90

$64.90

$8,493.90

F

A

E

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. G. The Quick Actions links in the top right corner let you quickly access different Digital Banking for Business features.

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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$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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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

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-$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 22 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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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.

$3,570.78 $3,570.78 1

$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 24 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

$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 : G to page 23 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.

1

$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: Details & Settings

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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

1

$45,570.78

$570.78

$145,000.00

$530.76

$530.76

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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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. 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 866-322-4249.

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

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3b

Touch ID for “First Citizens”

3a

3. Scan your fingerprint. a. Apple® Device : Place your finger on the Home button to enable Touch ID. b. Android TM Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Protecting Your Information

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Enabling Passcode Authentication Create a unique passcode within our Digital Banking for Business app to quickly and easily sign in and access your funds while on the go!

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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 Passcode switch from “Off” to “On.” 1. Review the information about using a passcode and tap the Create Passcode button. 2. Create your passcode using the keypad. 3. Confirm your passcode using the keypad. 4. Enter your login ID and password, and tap the Authorize button.

Security: Protecting Your Information

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Enabling Face ID ® Face ID ® is a feature which utilizes facial recognition technology, allowing you to unlock your Apple® device with your face instead of a login ID and password.

2

1

3 Open First Citizens’ Digital Banking for Business app and tap the Face ID ® button. 1. Review the information about using Face ID ® and tap the Enroll Now button. 2. Enter your login ID and password, and tap the Authorize button. 3. Face ID ® is now set up. You can now tap the Face ID ® button to log in.

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

Security: Protecting Your Information

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Disabling Passcode Authentication, Touch ID ® , Fingerprint or Face ID ® Login You can disable Passcode Authentication, Fingerprint or Facial Recognition Login if you no longer prefer to utilize them. When all features are disabled, you can sign in to your Digital Banking for Business using your user ID and password.

1

Apple ®

Android TM

2 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 Passcode , Face/Touch ID ® or Fingerprint Login switch from “On” to “Off.” 1. Tap the Yes button to disable the feature.

Note : Sometimes login settings can deactivate (e.g. Face ID or Touch ID). In these situations, follow the steps provided to enable them again.

Security: Protecting Your Information

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Security Apple® Watch

With the convenience of the Apple® Watch feature, you can now check your balances and recent transactions faster than ever. Apple® Watch Setup Activate the Apple® Watch feature in your Digital Banking for Business app using your mobile device or tablet.

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Sign in to First Citizens’ Digital Banking for Business app and tap the Menu button. In the Profile & Preferences dropdown, tap Apple® Watch . 1. Toggle the Apple® Watch switch from “Off” to “On.” Viewing Balances and Transactions When you activate the Apple® Watch feature, you can view your first ten accounts on the Account Summary page, balances and transactions with a few taps.

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$670.78

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$371.75

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1. Swipe left and right to view different account balances. 2. Swipe up and down to scroll through the transactions list. 3. Tap the Back button to return to your account list.

Security: Apple® Watch

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Message Center Message Center Overview

If you have questions about your accounts or need to speak with someone at First Citizens, the Message Center allows you to communicate directly with a First Citizens customer service representative. From the Message Center page, you can find replies, old messages or create new conversations.

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D3 Click the Message Center button in the navigation menu . A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon. D. You can delete multiple messages at once. 1. Click the “Delete multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permanently delete the selected messages.

Message Center: Message Center Overview