Business Banking

Treasury Management Services

Our aim is to help you maximize efficiencies and returns while minimizing costs. With our consultative approach and ongoing conversations regarding new products, services, technology and online tools we can play a major role in providing smart solutions for your business.

Account Reconciliation

Full reconciliation of outstanding and cleared checks is streamlined. Ideal for businesses that issue large volumes of checks.

  • Upload or input issued checks into online register
  • Company administrator controls access for all users
  • Efficient delivery of paid and outstanding items for faster account balancing

Automated Clearing House (ACH) Services

Create electronic file transmissions for debits or credits to accounts you designate. ACH services saves time and money by reducing check printing and postage costs.

  • Create templates for recurring ACH files and submit multiple ACH payments
  • Each ACH transaction includes a reference to participant, transaction type and amount
  • Send NACHA formatted files created in your financial software, allowing large number of transactions to be efficiently processed

Easy Deposit

This electronic check clearing business tool that allows you to make check deposits without going to the bank.

  • Immediate electronic deposits to your First American Bank account to improve overall funds availability
  • Streamlined operations with deposit automation features including image storage, retrieval, history, reporting and data export
  • Decreased fraud risk due to immediate deposit of checks and by identifying fraudulent checks sooner

Positive Pay

Protecst against unauthorized and fraudulent checks. Checks are compared to your file of authorized checks for the purpose of detecting any exceptions; then you are automatically notified of any discrepancies.

  • Company administrator controls access for all users
  • View images of checks and make online decisions on exception items to pay or return
  • Access from any computer to review exceptions and make decisions

Wire and Book Transfers

This helpful service provides the ability to move funds between your First American Bank accounts.  You can also transfer funds between accounts within different financial institutions across the country.

  • Schedule transfers for the current day or up to 30 days in advance, with the ability to review or delete pending transfers prior to processing
  • Transfer funds on one-time basis and move funds between First American Bank accounts
  • Includes both domestic and international wires

PayCard

This card was specifically designed for employers, payroll processors, and companies who want to reduce the cost and amount of paper checks issued to employees or to streamline their payroll processOur PayCard benefits the employer by saving time and money and the employee by providing convenience.

Benefits:

  • Can be used just about anywhere MasterCard® is accepted and personalized with embossed name
  • Fully reloadable, direct-deposit enabled from payroll
  • Real time email and text alerts (balances, transactions, deposits)

Contact Treasury Management for more information.

Personal Business Retirement
Use our business debit card. Link to business debit card page.Help for small businesses. Link to SBA Loans page.Get a business loan. Link to business lending page.