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

© 2009-2023 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

888-322-4249. 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 International Wires......................................................................................................49 To enroll in International Wires.......................................................................................... 49 To Remove International Wires Access............................................................................. 50 Create and Send an International Wire............................................................................. 51 International Wire FAQ........................................................................................................ 53 ACH & Payroll ACH Template Overview....................................................................54 Creating a Template....................................................................................................55 ACH Batch.............................................................................................................................. 56 ACH Payment........................................................................................................................ 58 ACH Collection...................................................................................................................... 60 Domestic Wire...................................................................................................................... 62 Payroll.................................................................................................................................... 64 Sending a Single Payment..........................................................................................66 ACH Batch.............................................................................................................................. 66 ACH Payment........................................................................................................................ 69 ACH Collection...................................................................................................................... 71 Domestic Wire...................................................................................................................... 74 Payroll.................................................................................................................................... 76 Splitting a Payment.............................................................................................................. 78 Payment from File.......................................................................................................79 Importing a CSV file.............................................................................................................. 79 Importing a NACHA file........................................................................................................ 81 Viewing, Approving or Canceling a Transaction......................................................83 Single Transaction................................................................................................................ 83 Multiple Transactions.......................................................................................................... 84 ACH Prenotes........................................................................................................................ 85

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Editing or Using a Template.......................................................................................87 Deleting a Template....................................................................................................88 Tax Payments...............................................................................................................89 Pay Loan or Credit Card..............................................................................................91 To pay a loan or credit card with a First Citizens Bank account:.................................... 91 To pay a loan or credit card with a non-First Citizens Bank account or debit card:.... 92 To pay a loan or credit card with an external checking or savings account:................ 92 To pay a loan or credit card with an external debit card account:................................. 92 View Payment Activity (for Loans and Credit Cards)...............................................93 Pay Bank Customer.....................................................................................................94 Linking Someone’s First Citizens Account......................................................................... 94 Single Transfers Between First Citizens Accounts............................................................ 96 Manage Online Activity...............................................................................................97 Editing and Cancelling Transfers........................................................................................ 97 Manage Payments.......................................................................................................99 Using Filters...............................................................................................................100 Creating or Deleting Custom Views Using Favorites..................................................... 101 Business Services Users Overview.........................................................................................................102 Manage Users Overview................................................................................................... 103 Adding a New User ........................................................................................................... 104 Part 1 of 5: Establishing Transaction Type Rights.......................................................... 105 Part 2 of 5: Disabling a Transaction Type....................................................................... 106 Part 3 of 5: Editing Approval Limits for a Transaction Type......................................... 107 Part 4 of 5: Establishing Rights to Access Features....................................................... 108 Part 5 of 5: Establishing Rights to Access Accounts...................................................... 109 Editing an Existing User’s Rights.............................................................................110 Deleting a User.........................................................................................................111 Recipient Overview...................................................................................................112 ACH Only- Part 1 of 2: Adding a Recipient...................................................................... 113 ACH Only- Part 2 of 2: Recipient Account Detail............................................................ 114 ACH & Wire- Part 1 of 4: Adding a Recipient.................................................................. 115 ACH & Wire- Part 2 of 4: Beneficiary Bank Detail.......................................................... 116 ACH & Wire- Part 3 of 4: Intermediary Bank Detail....................................................... 117 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................ 118 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient............................................... 119 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail.............................................. 120 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail.......................................... 121 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail...................................... 122 Editing a Recipient....................................................................................................123 Editing a Recipient’s Templates....................................................................................... 124

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Deleting a Recipient.................................................................................................125 Mobile Authorizations.............................................................................................126 Positive Pay for ACH Transactions Introduction. ............................................................................................................. 128 Managing Exceptions...............................................................................................129 Add an ACH Authorization Rule..............................................................................131 Positive Pay for Check Transactions Introduction. ............................................................................................................. 133 Managing Exceptions...............................................................................................134 Add a Check Confirmation......................................................................................136 Submit Issued Check File.........................................................................................137 Introduction. ............................................................................................................. 138 To Upload an Issued Check File..............................................................................139 Manually Enter a Check...........................................................................................140 Void a Check..............................................................................................................141 Managing Exceptions within Advanced Options..................................................142 Issued Check Processing Log..................................................................................144 Fee Schedule Fee Schedule.............................................................................................................145 Business Bill Pay Home Page Overview...............................................................................................146 Add a Payee...............................................................................................................148 Company. ........................................................................................................................... 148 Import Payees...........................................................................................................150 Edit a Payee...............................................................................................................153 Delete a Payee..........................................................................................................154 Add and Manage Categories...................................................................................155 One-Time Payment..................................................................................................156 Edit or Stop a One-Time Payment..........................................................................157 Create a Recurring Payment...................................................................................158 Edit or Stop a Recurring Payment..........................................................................160 Setting Up eBills........................................................................................................162 Payment Approval....................................................................................................163 Calendar.................................................................................................................... 164 Company Profile.......................................................................................................165 Delete or Edit Bill Pay Accounts..............................................................................166 Manage Users...........................................................................................................167 Personal Profile........................................................................................................168

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e-Notifications........................................................................................................... 169 Events. ................................................................................................................................ 169 Logout................................................................................................................................. 170 Recurring............................................................................................................................ 171 Reminders.......................................................................................................................... 172 Reports. ..................................................................................................................... 173 Mobile Bill Pay Home Page Overview...............................................................................................174 Add a Payee...............................................................................................................176 Company. ........................................................................................................................... 176 Import Payees...........................................................................................................178 Edit a Payee...............................................................................................................179 Delete a Payee..........................................................................................................180 Add and Manage Categories...................................................................................181 One-Time Payment..................................................................................................182 Edit or Stop a One-Time Payment..........................................................................183 Setting Up eBills........................................................................................................185 Create a Recurring Payment...................................................................................186 Edit or Stop a Recurring Payment..........................................................................188 Payment Approval....................................................................................................190 Calendar.................................................................................................................... 191 Company Profile.......................................................................................................192 Delete or Edit Bill Pay Accounts..............................................................................193 Manage Users...........................................................................................................194 Personal Profile........................................................................................................195 e-Notifications........................................................................................................... 196 Events. ................................................................................................................................ 196 Logout................................................................................................................................. 197 Recurring............................................................................................................................ 198 Reminders.......................................................................................................................... 199 Reports. ..................................................................................................................... 200 Alerts Account & Card Alerts..............................................................................................201 Account Alerts.................................................................................................................... 201 Card Alerts.......................................................................................................................... 202 Security Alerts...........................................................................................................203 Editing Delivery Preferences............................................................................................ 203 Mobile Check Deposits Mobile Check Deposits............................................................................................204

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Manage Cards To Activate a Card............................................................................................................. 206 To Lock/Unlock Card......................................................................................................... 207 Manage Employee Cards.........................................................................................208 Manage the Entitlement for Your Users......................................................................... 208 Adding Employee Cards..........................................................................................210 Closing Employee Cards..........................................................................................211 Adjusting Spending Limits.......................................................................................212 Statements & Documents Statements................................................................................................................ 213 Statement Delivery...................................................................................................214 Service Center Order Checks............................................................................................................215 Request Check Copy................................................................................................216 Stop Payment Request............................................................................................217 Single Check ...................................................................................................................... 217 Multiple Checks ................................................................................................................ 218 Order Foreign Currency...........................................................................................219 Manage User Rights to Order Foreign Currency........................................................... 220 Additional Services...................................................................................................222 Open New Account........................................................................................................... 222 Order Visa Gift Cards........................................................................................................ 222 Online Agreement............................................................................................................. 223 Privacy and Security.......................................................................................................... 223 Customer Support............................................................................................................. 223 Branches and ATMs Branches and ATMs.................................................................................................224 Profile and Preferences Profile and Contact Information.............................................................................225 Account Preferences................................................................................................226 Log In Preferences...................................................................................................227 Change Password.............................................................................................................. 228 Change Login ID................................................................................................................ 229 Secure Delivery.................................................................................................................. 230 Secure Delivery with International Contact Information.............................................. 231 Change Background.................................................................................................232

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Getting Started

In order to qualify for a Digital Banking for business account, customers must have a 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 888-322-4249. You are unable to enroll in Digital Banking for business online. Once your enrollment is complete, you will have immediate access to begin using First Citizens Digital Banking for business. Desktop New User Enrollment 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

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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”. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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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 888-322-4249.

Getting Started: Desktop New User Enrollment

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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 888-322-4249.

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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. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 888-322-4249 for assistance. A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J1

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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.

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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 888-322-4249.

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

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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.

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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. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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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! 10 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

Home Page: Home Page Overview A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J1 J2 J3 J1 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c K L M N O P Q U V W X Y Z A B C D E F G 1 1112 131415 1617 18 192 2122 2324 2526 27 28 293 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 J2 J3 J2 1d 2d 3d 4d 5d 6d 7d J3 J1 J2 J3 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 1a 2a 3a 4a 5a 6a 7a 8a 9a 1 1b 2b 3b 4b 5b 6b 7b 8b 9b 1 1c 2c 3c 4c 5c 6c 7c 8c 9c 11a 12a 13a 14a 15a 16a 17a 18a 19a 11b 12b 13b 14b 15b 16b 17b 18b 19b 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J2 J3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 $89,463.90 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 J2 J3

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I $47.70 $235,845.30 $47.70

J1 J KLMNOPQRST U V W X Y Z A B C D E F G H I J3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 $64.90 $135,83.90 $8,493.90

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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.

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$3,463,570.78 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 J1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 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. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 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. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d $2,483,570 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 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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