First Citizens Bank Digital Banking for Consumers User Guide

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Security Alerts..............................................................................................................40 Editing Delivery Preferences............................................................................................... 40 Message Center Overview .........................................................................................41 Sending a Secure Message ........................................................................................42 Payments & Transfers Move Money Overview...............................................................................................43 Pay Bills Overview.......................................................................................................44 Tools Overview............................................................................................................45 Move Money (Payments & Transfers) Transfer Funds Between Accounts...........................................................................46 Transfer to Another Customer .................................................................................48 Linking Someone’s First Citizens Account......................................................................... 48 Single Transfers Between First Citizens Accounts ........................................................... 50 Send Money with Zelle ® Enrollment .........................................................................51 One-time Enrollment........................................................................................................... 51 Adding a Trusted Recipient................................................................................................. 52 Send Money with Zelle ®................................................................................................................................................................ 53 Request Money with Zelle ® ...................................................................................................................................................... 55 Split Expenses with Zelle ® .......................................................................................................................................................... 56 Zelle ® Settings ..............................................................................................................57 View Payment and Transfer Activity .........................................................................58 Editing and Cancelling Transfers........................................................................................ 59 Pay Bills (Payments & Transfers) Credit Card and Loan Payments ...............................................................................60 Bill Pay Overview.........................................................................................................62 Creating a Payee Overview ........................................................................................64 Creating a Payee: Company.......................................................................................65 Editing a Payee ............................................................................................................67 Deleting a Payee .........................................................................................................68 Hiding or Unhiding Payees ........................................................................................69 Hide a Payee......................................................................................................................... 69 Unhide a Payee .................................................................................................................... 69 Scheduling Payments .................................................................................................70 Rush Delivery...............................................................................................................71 Recurring Payments ...................................................................................................73 Editing Payments ........................................................................................................75 Skipping Payments .....................................................................................................77