Cash Management

Increasing efficiency. Reducing costs. Maximizing profits.

Our comprehensive — and creative — Cash Management solutions are designed to help you minimize costs, increase your bottom line and invest more money back into your business.

Receipts Management

Searching for a better way to expedite the collection of your company's receivables? First Citizens can assist with products and services such as Preauthorized Automatic Drafts, Remote Image Deposit (RID), Lockbox Services, eReceivables and Community Association Services.

Lockbox Services

First Citizens' Wholesale and Retail Lockbox Services are designed to improve the management of your mail volume, processing fees and availability float.

Public Insured Municipal Money Checking

Our PIMMC account operates as a checking account with access to the funds you need, while taking advantage of a competitive interest rate.

Disbursements

Disbursement services enhance your company's control over disbursing funds, while providing more accurate information for accounting purposes.

Payroll Services

Outsourcing payroll can save your business time and money. Through First Citizens, you have access to a leading provider of payroll, tax-filing and HR related services, PayChoice.

Payroll Card Program

First Citizens' Payroll Card Program provides low-cost, FDIC-insured bank account options for your employees. Our card solution differs from traditional checking account options because all deposits and withdrawals are made electronically.

Investment and Treasury Services

What makes First Citizens' investment and treasury options so powerful? They allow you to automatically invest excess funds and incorporate certain types of borrowing facilities into your Cash Management program, thus managing your cash flow more efficiently.

Information Reporting

First Citizens information reporting systems range from a simple fax of daily activity to the more sophisticated Online Banking system with Wire Transfer and ACH capabilities. You will always have access to accurate, up-to-date intelligence you need to operate your business.

Reconciliation Services

From paper reports... to electronic transmissions... to CD ROM imaging for research and storage efficiency... First Citizens can offer you a wide range of reconciliation services.

Fraud Prevention

Our Positive Pay and ACH Monitor services can help you prevent fraudulent check and electronic Automated Clearing House (ACH) transactions.

Check Recovery Service

Trying to collect on returned checks the traditional way costs your business time and money. Our fully automated service can help you recover more funds without the hassle, and at no additional cost.


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