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Cash Management
  • Electronic Services
  • Card Services
  • Funds Management
  • Business Services
  • Cash Management E-Newsletter
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    Enhance earnings for your business by managing your cash with products and services offered by First National Bank.  We are proud to offer the latest in technology combined with personalized customer service of a community and employee owned bank. 

    ELECTRONIC SERVICES 

    Deposit Connection Online ScannerDEPOSIT CONNECTION ONLINE  
    Deposit Connection Online is First National Bank’s remote deposit product allowing you to make electronic check deposits from your office.  All you need is a check scanner and a dedicated PC.  Deposit Connection Online is easy to set up and easy to use. 

    For a short video about the features and benefits of Deposit Connection Online (remote deposit capture) click here.

    MONEY CONNECTION ONLINE CASH MANAGEMENT
    This internet banking product is available to our business customers.  Money Connection Online Cash Management will give you access to account information 24-7.  Within Money Connection Online Cash Management you will be able to view previous statements, transactions, balances, make funds transfers, and view prior and current day activity.  In addition, Money Connection Online Cash Management users have the ability to originate automated clearing house (ACH) transactions, commonly used for direct deposit of payroll and to collect recurring fees, and send wire transfers.

    Money Connection Online Cash Management allows you to have multiple users and limit the user’s ability to view certain accounts or initiate transactions.      

    MONEY CONNECTION ONLINETM
    First National Bank’s free internet banking service. 

    Click here for more information. 

    MONEY CONNECTION ONLINE BILL PAYERTM
    First three months free for business customers. 

    Click here for more information. 

     

    CARD SERVICES

    BUSINESS CREDIT CARDS

    Enjoy the convenience of making business purchases with First National Bank’s low cost VISA Business Credit Card program.  Annual fees are waived on accounts with activity. 

       Existing customers may access account information by going to http://www.mycardstatement.com/.    

    Cardholders may request a copy of the cardholder agreement by calling 1-800-369-3629.    

    MERCHANT SERVICES 
    Through this service you will be able to accept major credit cards and debit cards from your customer.  Whether you are an online store, retail store, or a mail-order-phone-order merchant we have merchant services solutions to fit your businesses needs. 

    Existing merchants may access account information by going to https://www.transfirst.com/translink/login.aspx 

     

    FUNDS MANAGEMENT

    RESERVE CHECKING LINE OF CREDIT

    Avoid an inadvertent overdraft or fund a short-term loan by tying a line of credit to your business checking account.   

    REPURCHASE AGREEMENT**

    Put your money to work for you by sweeping funds from your checking account on a daily basis.   

    ** Not a deposit. Not FDIC insured.  Not insured by any Federal Government Agency.  Repurchase Agreement Accounts collateralized by securities in the bank’s portfolio. 

     

      BUSINESS SERVICES 

    ACCOUNT ANALYSIS STATEMENTS

    A monthly summary of checking account activity, charges, and balance information for Business Checking account types. 
     

    CD-ROM STATEMENT DELIVERY

    Bank statements, images of your checks, deposit tickets, and deposited items all on a CD for convenient storage and reference.  

    COIN, CURRENCY, AND DEPOSITORY SERVICES

    First National Bank provides coin in/out service, rolled coin, currency in/out, and both direct and night depository services.  If you have a large sum of cash or papers you want to keep off-site; First National Bank offers safety deposit boxes and cash vault facilities. 

    CHECK COLLECT RECOVERY SERVICES

    First National Bank will convert your returned deposited items into an ACH transaction for collection.  Converting a returned checking into an ACH transaction allows the check to be represented an additional time and possibly increasing your collection rate.
     

    CUSTOMIZED RETURN CHECK PROCESSING

    First National Bank will customize return check processing to fit the customer’s needs.   

    WIRE TRANSFERS
    Wire transfers are guaranteed transfer of funds to financial institutions around the world subject to OFAC and government rules. 

     

    CURRENT CD RATES

    APY as high as: Rate
    11 Months 1.50%
    36 Months 2.10%
    60 Months 2.65%
    Rates Subject to Change
    SEE ALL CURRENT RATES

     


     

    News

    Money Connection Online Unavailable
    First National Bank will be doing system updates on Sunday, September 12th. As a result, Money Connection Online will be unavailable from 8 a.m. until approximately 1 p.m. Money Connection Telephone Banking will be available for everything except balance transfers. The phone number for phone banking is 319.352.2591. Thank you for your patience!

    FDIC Coverage to $250,000 Made Permanent
    The Dodd-Frank Wall Street Reform and Consumer Protection Act signed by President Barack Obama on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

    First National Bank Wants Customers Aware of New Overdraft Rules
    First National Bank wants consumers to be aware of new rules that will go into effect this summer governing overdraft coverage and fees. These rules prohibit financial institutions from charging overdraft fees on ATM withdrawals and debit card purchases unless the consumer has opted into the overdraft coverage service. The new rules take effect July 1 for new accounts and Aug. 10 for existing accounts.



    More News.