Business Services

Reliable Business Services – Cash Management Banking

Achieve your business goals with our comprehensive cash management banking services designed to simplify your financial management. From secure cash flow solutions to state-of-the-art payment technology, we’re here to help streamline your operations and drive success.

  • Manage finances securely with Business Online Banking and eZBusiness.
  • Upgrade payment systems with Clover POS and visual terminals.
  • Simplify reporting and manage cash flow with Business Online Banking.

Need more? Contact us for customized solutions to fit your business needs.

  • Intuitive navigation
  • Multiple accounts
  • Multiple employee access levels
  • ACH and wire transfers
  • "Soft Token" mobile app security
  • Responsive design & touch-friendly screens

Business Online Banking: Simplify Your Business Finances

With Business Online Banking, you can save time, improve cash flow, and efficiently manage your cash position—all in a fully secure environment. 1st National Bank’s business online banking platform offers seamless integration across devices, providing powerful cash management services for small businesses.

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  • Adding new cardholders
  • Requesting new and replacement cards
  • Reallocation of existing limits in real-time
  • MCC and velocity maintenance
  • Closing cards
  • Updating demographics
  • Making payments
  • Online transaction disputes and service requests
  • Company alerts
  • Employee online management

eZBusiness Commercial Card Management

eZBusiness is a premier web-based commercial card management solution designed to streamline cash management services and optimize your commercial card program. With industry-leading technology and seamless integration, eZBusiness helps you efficiently manage employees’ cards, expenses, and working capital—scaling with your business needs.

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Credit Card Processing

With 1st National Bank’s credit card processing services, businesses can accept all major credit cards, including VISA, MasterCard, Discover, and American Express. Whether you’re accepting purchasing cards or debit cards, our goal is to provide you with the most efficient payment processing while helping you reduce operating costs, improve cash flow, and minimize exposure to fraud and risk.

1st National Bank helps businesses access reliable, modern payment solutions by referring customers to Celero Commerce for credit card processing and point-of-sale (POS) systems. Rather than offering one-size-fits-all processing, we work with you to understand how your business accepts payments and connect you with tools that improve efficiency, control costs, and support long-term growth.

Through this partnership, businesses can accept a wide range of payment methods while keeping transactions secure and streamlined.

Payment capabilities include:

  • Acceptance of major credit and debit cards
  • Support for contactless payments and mobile wallets
  • In-store, mobile, and remote payment processing options
  • Integrated POS systems designed to fit retail, service, or mobile environments

Technology designed to improve operations:

  • Modern POS systems, including Clover solutions, to speed up checkout and reduce errors
  • EMV chip processing and encrypted transactions to help protect against fraud
  • Integrated payment platforms that reduce manual steps and improve reporting accuracy

Business advantages of working through 1st National Bank:

  • Guidance in selecting the right processing setup for your business model
  • Seamless connection between your merchant services and your broader banking relationship
  • Scalable solutions that adapt as your business grows
  • Access to reliable support and transparent pricing through Celero Commerce

By connecting you with the right payment tools and helping ensure they align with your operations, 1st National Bank helps you maintain steady cash flow, reduce surprises in processing costs, and keep your payment systems running smoothly.

  • Fast way to turn deposits into cash
  • No courier expenses
  • Fewer trips to the bank
  • Stay in control of your cash flow and optimize your financial processes with this seamless, secure solution.

Remote Deposit Capture

This service lets you deposit checks without ever leaving your office. With it, you scan checks received from customers and transfer deposits electronically to the bank anytime, day or night. Simply scan an image of the check, prepare and balance the deposit on your computer, and then transmit the deposit electronically to the bank.

Application
  • Reduce mail float
  • Reduce day's sales outstanding
  • Improve staff productivity
  • Increased security
  • Improve overall cash flow

Lockbox Services

Lockbox Services help streamline your receivables process by reducing mail float and accelerating cash flow. This service enhances operational efficiency, improves security, and boosts productivity by automating payments and minimizing delays.

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  • Maximize working capital with timely payroll processing and direct deposits.
  • Automate billing and payables to reduce manual efforts and improve cash flow.
  • Secure access to online systems, enabling payroll management anytime, anywhere.
  • Simplify the collection of employee tax forms, pay stubs, and W-2s with online access.
  • Gain peace of mind with a six-month money-back guarantee and access to certified payroll professionals.

Payroll Processing

Sage Payroll Services simplifies the payroll process for businesses, ensuring efficiency and security. The self-service online payroll service is ideal for businesses with 1 to 10 employees, offering streamlined payroll management and valuable support for your cash position and working capital.

Sage Payroll
  • HSA (Health Savings Account)
  • Payroll Cards
  • Direct Deposit
  • Relationship Pricing

Employee Benefits Package

Offering your employees a unique package of many popular banking benefits, our Employee Benefits Package is a program of discounts and bonuses available when they sign up for direct deposit of their payroll check into a 1st National Bank Checking and/or Savings Account.  Ask one of our associates for details.

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Why Choose 1st National Bank for Your Business’s Cash Management Needs

With eZBusiness and our credit card processing services, you’re equipped with advanced tools to manage expenses, make payments securely, and stay on top of your business’s cash flow. Our platform allows you to add new cardholders, reallocate card limits in real-time, and utilize ePayables for secure business-to-business payments. This seamless integration helps streamline your operations and ensures you have the flexibility to grow and adapt as your business evolves. Offering customized solutions and expert advice, we are here to meet your unique business needs.

FAQs

With 1st National Bank’s online banking, you can manage your bank accounts, track your cash position in real-time, and make secure payments from anywhere. It allows you to centralize your financial management, automate billing, and improve cash flow by reducing manual processes.

1st National Bank allows you to easily manage multiple business accounts through our secure online banking platform. You can view balances, transfer funds, and track payments in one central location, making financial management simple and efficient.

1st National Bank supports businesses and employees through Health Savings Accounts (HSAs). HSAs allow employees to set aside pre-tax funds to pay for qualified medical expenses. These accounts work alongside a High Deductible Health Plan (HDHP) offered by the employer, helping employees manage healthcare costs while building tax-advantaged savings for future medical needs.

The primary purpose of a lockbox system is to efficiently manage cash inflows and outflows. It expedites payment processing, helping businesses oversee cash activities by directing payments to a secure location where they are processed and deposited directly into the company’s account, improving cash flow and disbursement efficiency.

Payroll processing can be challenging, especially for businesses that oversee multiple employees, varying compensation structures, and diverse tax requirements. However, utilizing in-house banking solutions and automated payroll systems allows businesses to manage their cash effectively by automating tax calculations, deductions, and same-day direct deposits, making payroll processing easier to handle.

Still have questions? Have us contact you.