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

1. Cash Management
Services
Increase efficiency.
Reduce costs.
Maximize profits.
Our comprehensive Cash Management solutions are designed to help you minimize
costs, increase your bottom line and invest more money back into your business.
Receipts Management Reconciliation Services
Searching for a better way to expedite the collection of From paper reports...to electronic transmissions...to CD-ROM
your company’s receivables? First Citizens can assist with imaging for research and storage efficiency... First Citizens can
products and services such as Preauthorized Automatic offer you a wide range of reconciliation services.
Drafts, Remote Image Deposit, Lockbox Services and
Web Pay. These First Citizens services can help you Fraud Prevention
manage your receipts, save time on check processing and Our Positive Pay and ACH Monitor services can help you
collections, and implement stronger audit controls. prevent fraudulent check and electronic Automated Clearing
House (ACH) transactions.
Disbursements
Disbursing funds at the right time is just as important as Investment and Treasury Services1
collecting payments quickly. First Citizens’ disbursement What makes First Citizens’ investment and treasury options so
services can enhance your company’s control over powerful? They allow you to automatically invest excess funds
disbursing funds, while providing more accurate and incorporate certain types of borrowing facilities into your
information for accounting purposes and reducing labor- Cash Management program, thus managing your cash flow
intensive processing. more efficiently.
Pay Card Program 1. Swept funds are:
Not FDIC Insured Not Bank Guaranteed May Lose Value
First Citizens’ Pay 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.
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.
Catherine Cattles
Retail Sales Manager
79 W Paces Ferry Rd Suite 100
404-365-4664
catherine.cattles@firstcitizensonline.com
FirstCitizensonline.com
Equal Housing Lender/Member FDIC (Revised 11/08)