Business Online Banking (BOB) Advantage

First Citizens Business Online Banking (BOB) Advantage provides secure 24/7 access to your accounts along with easy-to-use features to help you manage your business. With Business Online Banking (BOB) Advantage you can:

  • Check balances on all business accounts — including business credit card accounts, lines of credit and commercial and installment loans
  • View updated account information throughout the day with intra-day reporting, including real-time available balance information
  • Access account history for up to 13 months
  • Utilize the easy-to-use transaction search function to quickly find the information you need
  • Obtain images of checks, return items, deposit tickets and items deposited
  • Initiate online transfers between your First Citizens accounts
  • Make payments on loans, lines of credit and credit cards
  • Schedule bill payments
  • Place stop payment orders
  • Receive e-mail alerts of transactions and events specified by you
  • Establish multiple users with different authority levels
  • Customize BOB Advantage to enhance your individual online experience

Additional Business and Treasury Services Functionality

  • Originate ACH entries for direct deposit of payroll, vendor payments and preauthorized drafts
  • Initiate FED Wire (domestic) and international wire transfers
  • View and disposition Positive Pay and ACH Monitor exception items
  • Upload Positive Pay check issue files or enter manual check issues and voids
  • View Controlled Disbursement totals, including check detail

You can be assured that Business Online Banking (BOB) Advantage employs a multi-layered security approach to help protect your business from computer viruses and other financial malware. This includes the use of an advanced security and authentication tool which allows you to review and confirm ACH or Wire Transfers via a stand-alone app on your desktop or smartphone before the transactions are sent to the bank for processing.

Business Online Banking (BOB) Advantage makes managing your business easier than ever before. For more information speak with your local banking representative, contact your Treasury Services Sales Officer, or call us at 1-866-733-2501, Monday through Friday, 8:00 AM EST to 6:00 PM EST.


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