First Citizens Bank Digital Banking for Consumers User Guide

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Security Alerts..............................................................................................................48 Editing Delivery Preferences............................................................................................... 49 Message Center Overview .........................................................................................50 Sending a Secure Message ........................................................................................51 Move Money (Payments & Transfers) Overview ......................................................................................................................52 Transfer Funds Between First Citizens Accounts ...................................................53 External Transfers.......................................................................................................55 How to Enroll in External Transfers................................................................................... 55 How to Add Accounts .......................................................................................................... 56 How to Transfer Funds........................................................................................................ 57 How to Remove Accounts/Cancel Old External Transfers.............................................. 58 Send Money with Zelle ® Enrollment .........................................................................59 One-time Enrollment........................................................................................................... 59 Adding a Trusted Recipient................................................................................................. 60 Adding New Recipients from Device ................................................................................. 62 Send Money with Zelle ®................................................................................................................................................................ 64 Request Money with Zelle ® ...................................................................................................................................................... 66 Split Expenses with Zelle ® .......................................................................................................................................................... 67 Activity in Zelle ® ....................................................................................................................................................................................... 68 Zelle ® Settings ..............................................................................................................69 Zelle ® Limits .................................................................................................................70 Zelle ® FAQ.....................................................................................................................71 View Transfer Activity .................................................................................................72 Manage Online Activity Downloads................................................................................... 73 Editing and Cancelling Transfers........................................................................................ 74 Switch Direct Deposit .................................................................................................75 How to Switch Direct Deposit............................................................................................. 75 Your Direct Deposits Page .................................................................................................. 78 Direct Deposit Switch FAQ .................................................................................................. 79 Pay Bills (Payments & Transfers) Bill Pay Overview.........................................................................................................81 Creating a Payee Overview ........................................................................................83 Creating a Payee: Company.......................................................................................84 Editing a Payee ............................................................................................................86 Deleting a Payee .........................................................................................................87 Hiding or Unhiding Payees ........................................................................................88 Hide a Payee......................................................................................................................... 88 Unhide a Payee .................................................................................................................... 88 Scheduling Payments .................................................................................................89 Rush Delivery...............................................................................................................90