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Managing your company's finances is critical in today's business environment. Our highly skilled Cash Management Specialist is able to help you find a way to improve cash flow, cut expenses or maximize earnings by delivering a comprehensive suite of services that is customized to fit your needs.
Our Business Online Banking services are designed to fit any business' need.
Security Features include:
- End User Authentication - providing additional layers of security.
- Restricted Access - limit access to specific PC location or one-time access only.
- Flexible User Right Management - allowing multiple users for specific uses
Functionality Features include:
- Control Multiple Accounts - for timely money management decisions, you are able to view and manage: available balances, transactions, check images, originate account transfers, use account reconciliation services and more.
- Electronic Statement Delivery - convenient enrollment for electronic account statements, delivered directly to your online banking. Access multiple months and years of statement history at the tip of your fingers!
- Originate Electronic Transactions - convenient capability for direct deposit payroll, collections of recurring payments, tax payments, and other payments or receipts.
Mobile Banking!
Even when you're not in the office, you can still manage accounts, process payroll, pay bills, and transfer funds all through your cell phone. It's whenever you want, wherever you want. This is available to all online banking users, and even better - it's secure, and it's free.
Find out more about Mobile Banking.
For questions or more information about Business Online Banking, contact Ranae Neese.
ACH Origination Services
Providing more convenience and efficient ways to run your business finances, you are able to use First Central's ACH services even if you do not currently have the necessary software. ACH files can be created and originated directly through our Business Online Banking features. ACH services include:
- Direct Deposit allows you to conveniently pay your employees electronically. This reduces check fraud risk and reconciliation time. Save time and processing cost of payroll too!
- Direct Collections of your monthly accounts receivables is critical to your cash flow. Create loyal customers by providing a payment option which is convenient and reliable. Ideal for recurring consumer payments such as subscriptions, membership dues, etc.
- ACH Receipts and Payments provides your company the capability to make efficient and timely electronic payments to your vendors or suppliers with all the payment details included. You have the convenience for concentrating excess balances from your company owned accounts at other financial institutions or originate ACH debits with your trading partners to accelerate funds availability of your accounts receivables.
- ACH Debit Block Services prevent unauthorized, or fraudulent, electronic debits from being posted to your account. Debits that have not been pre-authorized are blocked. The bank will notify you of these debits allowing you the decision to authorize or return.
Lockbox Remittance Processing
Accelerate your deposit check clearing and funds availability. Reduce time and costs associated with deposit processing while creating a clear audit trail with dual control. Customized processing provides you all the details each day of your accounts receivable.
Account Reconciliation Services
Reduce time associated with account reconciliation processes using monthly reports, or file transmission, of checks paid and checks outstanding detail.
Check Positive Pay Services
Protect your account against check fraud everyday! Send us a data file of issued checks and we'll run the data against your checks being paid. When a check does not match your issued checks data, we alert you for a pay or return decision.
Check Images CD-ROM
Efficient and convenient storage of your monthly check images on a single CD-ROM. Save time by reducing transaction research time - viewing software is included on each password-protected CD-ROM. View from a single PC, or provide to multiple users on your network. You can also request an annual CD-ROM storing check images for an entire year!
Experience the ultimate in banking convenience with Mobile Banking. 
Through your web enabled cell phone, you'll be able to:
- View transactions
- Check account balances
- Transfer funds
- Send secure messages to the bank
It's secure, it's convenient, and best of all... it's free!
Sign up for Mobile Banking through your internet banking account.
Receive your statements electronically rather than in your mailbox.
- No longer deal with the hassle of storing paper statements
- Have all your statements stored securely online and quick to find
- Receive your statement quicker
- Able to print your statements when and only as needed
LIVE GREEN and sign up for estatements today through your internet banking account!
"The most important development the U.S. banking industry has seen in years" according to the Federal Reserve and others in the financial services industry.
Remote Deposit Capture (RDC) means no more driving your deposits to the bank, no more worrying about bank hours, no more waiting in line. RDC provides you convenient desk top access to scan your checks, create and balance your deposit, and securely transmit the scanned images to the bank for posting and clearing - all from your own desk!
The Benefits:
- Convenience
- Reduced transportation costs
- Reduced return risk
- Expediting your deposits
- Ability to consolidate multiple location deposits into a single account
For more information, ask Ranae Neese,
our Cash Management Specialist.
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