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Treasury Management Services

Automated Clearing House (ACH) Origination

ACH Origination enables your business to collect payments, disburse payments and control your cash flow efficiently and securely in a variety of consumer and commercial payment types.

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Features and Benefits:

  • Automates your collection process and eliminates the administrative time and expense associated with processing paper-based receivables, which can also reduce the potential for fraud
  • Payroll Direct Deposit, which electronically credits an employee’s checking or savings account, which reduces payroll cost and employee time as they no longer need to deposit their check in person
  • Reduces the exposure and expense of check fraud. With no checks to steal or lose, there is no need to stop payments on or reissue checks
  • Improves customer satisfaction by allowing you to accept more payment options
  • Provides an audit record of payments, helping to ensure a timely receipt of payments and improving your ability to forecast cash flow

Merchant Card Services

Our Merchant Card Services provide businesses with credit card and payment processing solutions. You can accept credit or debit card payments onsite, online or on the go. We offer flexible and cost-effective payment processing solutions for all your needs.

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Features and Benefits:

  • Helps improve cash flow with fast funding – get access to funds as soon as the next business day
  • Devices tailored to your business’s needs allowing you to conveniently accept payments from your customers
  • Real-time reporting
  • Reduces administrative expenses and human error

Online Banking User Management

If you have more than one individual that helps manage the finances of your business, Online Banking User Management allows the ability to set up and manage the access for individuals who can use Internet Banking and Mobile Banking on behalf of your business.

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Features and Benefits:

  • Grants authorized users permission to perform specific types of transactions
  • Allows you to quickly and easily add or remove access to others in your organization and manage the types of accounts and features they have access to
  • Ability to set account permission and transaction limits for each user

Positive Pay

Positive Pay is a service that allows customers to enter checks that have been issued into online banking. The system will compare items that are presented to that list and present any exceptions for the customer to determine whether to pay or return. This is a great tool to help any business mitigate the risk of check fraud.

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Features and Benefits

  • Ease of use -- With the ability to import or manually enter check information, your business can choose the workflow that best suits your needs
  • Helps reduce the risk of check fraud
  • Easy set up
  • Instant and on-demand reporting
  • Low $15 monthly fee
  • Available with all First National Community Bank business accounts

Remote Deposit Capture

Conveniently deposit checks right from your desk. Remote Deposit Capture allows you to make deposits directly from your place of business through a desktop scanner so you can make deposits at your convenience and eliminate the need to deposit your checks in person.

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Features and Benefits:

  • Deposit checks from your business location
  • Saves time, hassle and transportation costs of taking paper checks to the bank or ATM by simply scanning checks for processing
  • Streamlines check handling for businesses with multiple locations
  • Offers simplicity and security with the convenience of Online Banking
  • Increase cash flow with same day credit available
  • Reduces the exposure of check fraud fewer checks in circulation that can be lost or stolen

Send Invoices and Accept Payments

Our Send Invoices and Accept Payments service allows customers to create invoices, deliver the invoice to your customers and accept payments directly into your bank account.

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Features and Benefits:

  • Create a professional, electronic invoice that can easily be sent via email and collect payments electronically
  • Use a secure payment link that allows your customers to pay you electronically through email or text message
  • Saves time and money
  • Eliminates fraud and human error
  • Upgrade to Accounting and Reporting system to make cash flow even easier for a monthly fee of $10.

Sweep Accounts

Sweep Accounts are a great way to let your excess money work for you. At the end of each day, funds are automatically transferred (or swept) to a specified balance amount from your business checking account into an account that earns interest - helping you earn money on your operating cash

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Features and Benefits:

  • Automated so that target balances are maintained and designed to let your excess money work for you by earning interest
  • Helps forecast and improve cash flow
  • Funds swept back if funds fall short of your target balance
  • FDIC Insured
  • Low $25 monthly fee
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