First Citizens Bank Digital Banking for Consumers User Guide

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Security Alerts..............................................................................................................47 Editing Delivery Preferences............................................................................................... 48 Message Center Overview .........................................................................................49 Sending a Secure Message ........................................................................................50 Move Money (Payments & Transfers) Overview ......................................................................................................................51 Transfer Funds Between First Citizens Accounts ...................................................52 External Transfers.......................................................................................................54 How to Enroll in External Transfers................................................................................... 54 How to Add Accounts .......................................................................................................... 55 How to Transfer Funds........................................................................................................ 56 How to Remove Accounts/Cancel Old External Transfers.............................................. 57 Send Money with Zelle ® Enrollment .........................................................................58 One-time Enrollment........................................................................................................... 58 Adding a Trusted Recipient................................................................................................. 59 Adding New Recipients from Device ................................................................................. 61 Send Money with Zelle ®................................................................................................................................................................ 63 Request Money with Zelle ® ...................................................................................................................................................... 65 Split Expenses with Zelle ® .......................................................................................................................................................... 66 Activity in Zelle ® ....................................................................................................................................................................................... 67 Zelle ® Settings ..............................................................................................................68 Zelle ® Limits .................................................................................................................69 Zelle ® FAQ.....................................................................................................................70 View Transfer Activity .................................................................................................71 Manage Online Activity Downloads................................................................................... 72 Editing and Cancelling Transfers........................................................................................ 73 Pay Bills (Payments & Transfers) Bill Pay Overview.........................................................................................................74 Creating a Payee Overview ........................................................................................76 Creating a Payee: Company.......................................................................................77 Editing a Payee ............................................................................................................79 Deleting a Payee .........................................................................................................80 Hiding or Unhiding Payees ........................................................................................81 Hide a Payee......................................................................................................................... 81 Unhide a Payee .................................................................................................................... 81 Scheduling Payments .................................................................................................82 Rush Delivery...............................................................................................................83 Recurring Payments ...................................................................................................85 Editing Payments ........................................................................................................87 Skipping Payments .....................................................................................................89