First Citizens Positive Pay file

Works with your QuickBooks report exactly as exported. No cleanup.

Turn your QuickBooks Check Detail report or Excel check list into the check issue file First Citizens accepts.

Built from First Citizens's published spec · Read 10/29/2026 · Source

Make your First Citizens file Try it with a sample file

What First Citizens receives

The First Citizens file BankFileKit makes from a sample QuickBooks report with fake checks. You see this proof for your own file before anything leaves your browser.

File proof

First Citizens , Check issue file, Fixed Field

positive-pay-first-citizens-20261026.txtCreated 10/26/2026 (example)

File check: Passed

Match field positions to your bank's spec.

         1         2         3         4         5         6         7         8         9         0         1         2         3         4         5         6
1234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890123456789012345678901234567890

Issue/void code 1 to 1
Record type 2 to 3
Account number 4 to 15
Check number 16 to 25
Amount 26 to 35
Record type 36 to 40
Issue date 41 to 48
Payee 71 to 150

11000000000000000000000100100001688120000010012026                      Example Office Supply Co.                                                                 22000000000000000000000100200006895240000010022026                      Example Janitorial LLC                                                                    33V00000000000000000000100300000450000000010032026                      Example Property Mgmt LLC                                                                 4000000000000000000000100400002104500000010152026                      Example Employee One                                                                      5000000000000000000000100500012500000000010202026                      Example Construction and Landscaping Services of Northern County

Line 1. One check per line, every line exactly 160 characters, with each field at a fixed position: issue/void code, account number, check number, amount, issue date and payee.
Line 2. A payee name with a comma is sent without the comma. The notes below say why.
Line 3. A voided check, marked V, with its original amount. QuickBooks shows voids as $0.00, so BankFileKit asks you for the original amount.

How to send it to First Citizens

In Commercial Advantage, go to Fraud / Risk Management, open Check Issue Management and select Import Check Issue/Void File.
Choose First Citizens' standard Fixed Field format, then browse to the file you downloaded from BankFileKit.
For your first file, check Load the file in test mode. First Citizens validates it without adding the checks, so you can confirm the file is accepted.
Select File Import. Then open Imported Files, view the file to review its checks, and approve it. Only approved files go to the bank.

What's in the file

What each check line holds, in the First Citizens file
Position	Field	Example	Rules
1-1	Issue/void code	0	0 for issued checks, V for voids.
2-3	Filler	00	Always 00.
4-15	Account number	000000000000	Your checking account number, on every line.
16-25	Check number	0000001001	Digits only, up to 10, zero-filled to 10.
26-35	Amount	0000168812	No decimal point: the last two digits are cents. No $ or commas. Up to $99,999,999.99.
36-40	Filler	00000	Always 00000.
41-48	Issue date	10012026	MMDDYYYY.
71-150	Payee	Example Office Supply Co.	Exactly as printed on the check. Up to 80 characters. Commas are left out.

.txt file · 160 characters per line · No header row · Windows line endings

Good to know

This is First Citizens' preferred Fixed Field layout: every line is 160 characters, with each field at a set position.
Every line carries your First Citizens account number, up to 12 digits. Type it on the tool page. You can have it remembered on this computer, encrypted with a passphrase.
Payee names can be up to 80 characters and are compared with the name printed on the check. First Citizens asks for payee names without commas, so BankFileKit leaves commas out.
A voided check is sent with V in the first position and its original amount.

Where First Citizens's guide doesn't say

BankFileKit fills these in with safe defaults. Your test file confirms them with First Citizens before you send a live file.

BankFileKit default: Filler positions 2-3 and 36-40 are zeros, as in First Citizens' example, and 151-160 are spaces. The guide allows either.
BankFileKit default: The optional memo field (positions 49-70) is left blank.
BankFileKit default: File extension .txt. The guide doesn't name one for Fixed Field files.
BankFileKit default: Text: plain ASCII. The guide doesn't list allowed characters.
BankFileKit default: A payee name longer than 80 characters is an error, not shortened, so the file always matches the printed check.

Note: Send a test file to First Citizens first

Before your first live file, download the free test file with your first 3 checks, send it to First Citizens, and confirm it was accepted. BankFileKit can't guarantee that First Citizens will accept a file.

Source

Positive Pay Payee Name Information: Check Issue Files, First Citizens. Date printed: Rev 06/2022. Pages 1-2. https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/hosted/treasury-management/positive-pay-payee-name-information-sheet.pdf. Read 10/29/2026.

BankFileKit isn't affiliated with or endorsed by First Citizens.

Other banks

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