Cash Management

Reliable 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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Credit Card Processing

Give customers more ways to pay with credit card processing and Clover point of sale (POS) systems through 1st National Bank. Whether you run a restaurant, retail store, or mobile business, a local banker can help you explore merchant services that fit the way you take payments. Clover offers options for card and contactless payments, along with tools to manage sales and support your business as it grows.

Explore Clover

Take Payments Wherever Business Happens

A customer pays at the counter. A server brings the check to the table. A contractor collects payments at a job site. Clover has credit card processing options for each one of these moments, including:

  • Countertop systems
  • Handheld devices
  • Mobile card readers

Customers can pay with chip cards or supported contactless methods such as Apple Pay® and Samsung Pay®.

More Than a Card Reader

Clover point of sale (POS) systems can put payments and day-to-day business tolls all in one place. Depending on the setup, you can:

  • Track sales
  • Manage inventory
  • Offer loyalty rewards

Keep your business moving with a system that fits the work your team already does.

Technology Backed by a Local Banking Relationship

Choosing merchant services involves more than picking a terminal. A 1st National Bank banker can:

  • Learn how you take payments
  • Discuss where checkout slows down
  • And work with Clover to explore a setup for your business. Y

You get access to Clover’s payment technology with a local banking contact who knows your business.

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
  • 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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  • 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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Credit Card Processing
  • 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.

Ask Your Banker For Information

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.