Treasury Services and First National Bank are built around a long term core focus and investment in payment processing solutions. We deliver practical solutions to help your business facilitate payments, prevent fraud and maximize your working capital. Our goal is to provide you with core data and analytics to assist you in making strategic business decisions.
Efficiency in collecting money owed is important for the continued success of your business. Our suite of receivable products and services offers a variety of solutions to help manage your cash assets.
- ACH - Electronic collections to ensure the accuracy of your funds while saving your business time and money.
- Wires - Speed and accuracy in transferring funds, both domestically and internationally, giving you the power to meet all of your immediate cash transfer needs.
- Remote Deposit Capture - A safe, secure, and efficient means of processing check payments received at your business without having to leave your office. View Demo.
- Retail and Wholesale Lockbox - Let customers send payments to a designated post office box at First National Bank Southwest. We verify the checks, endorse them and submit them for deposit to your account - all on the same day.
The timing of your account disbursements is critical in forecasting your cash flow and making strategic business decisions. Our disbursement products and services provide you with cost effective solutions to manage your outgoing transactions and streamline your account reporting.
- Account Reconciliation – A comprehensive reconciliation system, including superior service, flexible input and output methods, and timely turnaround.
- Positive Pay – Reduce the risk of check fraud. Each time you issue checks, you send us a file. All checks that do not match that file are viewable online where you are able to make a pay/no pay decision. View images, research, edit and process exception items on the same day they are received.
- Electronic Disbursement – With ACH disbursements, eliminate the need to write and mail checks.
- Wires –Transfer funds with speed and accuracy, both domestically and internationally.
- Drafts –We will deliver drafts to you for approval before payments will be made from your disbursement accounts.
Liquidity Management products and services offer a variety of solutions to keep transparency and order or large quantities transactions for your business.
- Analysis Accounts - Deposit accounts with analysis services include earnings credit to offset account fees.
- Business First Money Market Deposit Account - Earn competitive interest rates and maintain peace of mind with this cash management solution.
- Sweeps - Maximize your company's working cash with services such as loan sweeps, corporate money market sweeps and a menu of investment sweep options.
- Foreign Exchange Trading – Streamline your global trade activity with our multi-currency platform. Increase your working capital using simple tools that reduce effort, errors and costs.
- Capital Markets – Meet your capital market needs with products including money market, fixed income trading, interest rate derivatives, loan trading and a variety of financial strategies.
- Vault Services - With cutting edge technology, security and service, we will find the right solution for all of your coin and currency needs.
Protecting your business is imperative to continuing success. Our suite of fraud prevention tools protect your business at the highest standards from detrimental setbacks keeping your business safer and more efficient.
- ACH Positive Pay
Protect your business from fraudulent ACH activity with real-time access to unauthorized items clearing your account. By providing preauthorization of incoming ACH transactions, processing becomes streamlined and efficient.
- Check Positive Pay Reduce the risk of check fraud by identifying suspicious check activity on customers’ accounts. Check Positive Pay Identifies discrepancies between the file submitted and check presented.
- Dual Control
Dual Control is enabled through Cash Management Online (CMO) providing you with the option to assign two different individuals as approvers in order to validate a transaction for the following: User Administration, ACH and Wires.
Document Management Services
Achieve timely and accurate printing and distribution of invoices, checks, bills, and financial statements. Leverage our economies of scale to improve overall efficiencies and reduce imaging fees and postage costs. We offer "start-to-finish" document solutions with state of the art imaging, inserting and mailing services.