Cash Management

In addition to business checking and savings accounts, First National Bank & Trust Co. offers programs to aid business with financial management, leasing and investing to maximize efficiency.

Business Manager

An accounts receivable management and financing program through which First National Bank & Trust Co. will purchase with recourse your outstanding receivables for cash. You will continue to receive the cash for your new receivable accounts on a daily basis. The Business Manager also helps conserve working capital. 100% financing is available with variable terms.

Automated Clearing House Services (ACH)

For receivables and collections

  • Reduces lost check and fraud expenses
  • Eliminates costly wire transfer fees
  • Receivables and collections get paid faster by electronically collecting funds from your clients and having them deposited directly into your account
Remote Deposit Capture
  • Scan your check deposits from your desktop directly to your account.
  • Extended deposit hours
  • Exceptional deposit function control and reporting options 
  • Internet access and authorized scanner required.
Business Online Bill Pay 
  • Provides the flexibility of making one-time, recurring or future-dated bill payments.
  • Allows you to pay anyone, anywhere in the U.S. without the hassle of writing checks, buying postage or missing payment deadlines.

Click here to enroll in our Online Services and sign up for Bill Pay. 

Payroll Cards

Deposit employees' payroll onto a PIN-protected debit card and provide immediate, secure access for employees without a bank account.


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