Manage Accounts


Enjoy business banking solutions that work as hard as you do.

Customize a suite of convenient and secure treasury management products that help you maximize your cash flow, expedite your receipts, manage your payments, and manage risk in your business.
Features of online banking through treasury management include:
- Originate ACH payments and drafts from your online banking portal
- Originate domestic wires from your online banking portal
- Set up repetitive ACH transactions for payroll, customer drafts, and other recurring payments
- Quickly pay IRA and State payroll tax payments
- Establish and manage secure employee access and controls for your business
- Create customizable alerts for every detail of your banking day – balances, payments, access to your account, and more!

Quickly and easily deposit all of your checks and paper payments to your account from the convenience of your own scanner and desktop.
- Save time and money by reducing daily trips to the bank
- Maximize your funds by avoiding delays in making deposits
- Receive instant notification of confirmed deposits and expert customer service reviewing and adjusting deposits
- Customize alerts and notifications to keep you informed about your deposit
- Tailor reporting to your business needs

Tired of being put into a box with your business banking and payment acceptance options?
First Carolina Bank and Atlantic Merchant have partnered so you can have more choices and products that are tailored for your business.
Atlantic Merchant is a full service merchant processing company. Since its inception in 2005, Atlantic Merchant has been the leading provider of merchant processing solutions for financial institutions and their business customers. Atlantic has local sales and service representatives in each state of First Carolina's footprint, and they live and work in the communities they serve. Creating payment process solutions for clients is their single focus.
Highlights of the partnership:
- No long-term commitments
- No cancellation fees
- Representatives average over 15 years of experience in the payments industry
- Consultative and individualized assessment, recommendation, and implementation process
Ask your banker about getting connected with your local Atlantic Merchant representative today!

For even more convenience, we offer our First Carolina Bank debit card. This card looks like a credit card but works like a check. Plus, your debit card also serves as your 24-hour banking card. Use anywhere VISA is accepted.
Change your pin
- Activate your debit card at any ATM
- Call #1-800-290-7893
- Follow the prompts to customize or reset your pin
To report a lost or stolen ATM/debit card:
- Contact your local branch
- Log in to your online banking account
- Call #1-866-546-8273