More Business Services

We offer a variety of products and services to help you run your business efficiently, optimize your dollars and benefit you and your employees.

Digital DepositSM  
Cash in a Flash! Deposit electronically from the convenience of your desktop!

How does it work?
You accept check payments from your customers. Using Digital Deposit, you scan and submit those items securely over the Internet to us. We pick up your remote deposits and process the items accordingly. Plus, you’ll have immediate access to your deposit record and reports It’s just that simple!

What do I need?
Digital Deposit is simple. All you need is an Internet-enabled PC and a check scanner. We will help you with the setup and teach you how to use the system.

Merchant Credit Card Services
Merchant Credit Card Services allows you to accept VISA and MasterCard credit cards from your customers.
By offering credit/debit cards as a payment option to your customers, you can:

  • Expand your customer base
  • Reduce your check losses
  • Increase your cash flow

We can help you get started with the right credit card processing system to fit your needs.


Protecting your customer’s data is more important than ever. With several new Payment Card Industry Data Security Standard (PSI DSS) requirements, the responsibility of protection, prevention, and security of cardholder data is up to the business owner. These requirements may include completing a self assessment questionnaire, conducting periodic network system scans, and/or completing an annual onsite security audit. Click here for more information about these requirements.

ACH Origination Services
Collect and submit payments electronically to and from customers’ accounts.

Business Credit Card
We’re pleased to announce a partnership with TCM Bank, N.A. for our business credit card offering. We now offer two types of business credit cards so you can choose the best one for your business. Our Platinum Rewards Visa® Business Credit Card allows you to earn points for every qualifying net dollar you spend. Points can be redeemed for merchandise and travel rewards. Our Platinum Edition Visa® Business Credit Card allows you to receive our most competitive annual percentage rate. Both Cards feature:

  • No Annual Fee*
  • Competitive Rates*
  • Ability to set credit limits for each employee that is an authorized user
  • Separate credit card statement for each card holder
  • Personal service from people you know and trust

Applying is quick and easy. Just click here to complete the business application. Once completed, please printout and mail it or drop it off at any of our locations.

*See Important Disclosures for current terms, rates and fees. Applications are subject to credit approval. Account terms, rates and fees are subject to change. Cards are issued by TCM Bank, N.A.

Lockbox Services
First Citizens’ Lockbox Service eliminates expensive back office processing of incoming checks and time consuming trips to the bank for daily deposits. With Lockbox, your receivables are managed more efficiently.

How will Lockbox Services benefit you? It will improve cash flow with faster mail and processing time; reduce your administrative time and expense; and improve accuracy and help reduce fraud.