Other Services - Business

Sometimes, it's the extras that make a difference from your Bank ... the services that make your life simpler and hopefully allow you to make more and more money.  Bank from your business or your cell phone, order parts on your Check Card and pay for them directly out of your checking, carry a Credit Card that's backed with personal service and more.  Let's take a look at a few:

ACH Origination - Automated Clearing House

The Automated Clearing House (ACH) is an electronic payment network used by individuals, corporations, businesses, financial institutions, and government entities.  Funds may be credited or debited to a checking or savings account through either Direct Deposit or Direct Payment.  Call us today to learn how this convenient service can help your business reduce operating costs and improve profits!

VISA/MasterCard Merchant Credit Card Program

Increase your total sales and lower the risk of NSF checks when you begin accepting credit and debit cards.  Let us tell you more about our competitive rates and superior level of service.   Call Bryan Fessler at 563-262-4212 for more information on how to get started.

Night Deposit

Avoid the risk of having cash at your business or in your home freezer overnight.  Night deposit vaults are available at our Main Bank and most of our Branch Office locations.   Check out our Night Deposit locations.

Repurchase Agreements

An investment program for business customers with larger than average balances that allows you to invest funds on a daily basis or for longer periods of time.  (Not FDIC insured.)  For specific details, contact one of our knowledgeable representatives today.

Safe Deposit Boxes

Internet Banking 

Business Internet Banking is an essential tool to effectively maximize cash flow.

• Transfer funds between accounts 

• View account and loan detail

•  Process electronic wire transfers 

• Pay Federal & State Tax Payments

• Create ACH entries,  including cash  concentration 

• And other customized services

 Payroll Direct Deposit ~ This electronic payment method is available on an employee by employee basis and interfaces directly with your payroll software.  Direct Deposit increases efficiency and  reduces payroll-related expenses.

Electronic Bill Payment ~ Save time and money.  Don’t handle an invoice more than once.  When you get the bill, input the date you want the payment made.  Take advantage of discount terms without the worry of follow-up. 

Streamlined Portfolio  ~ View your entire consolidated bank portfolio in one place.

Simple ~ Simply stated, this will be a lay-up for you or your staff to use.  And, more importantly, your business will benefit from its simplicity as it becomes the preferred daily access method.

Confidential ~ Secure Internet access ensures your business's privacy.  Flexible administrative tools allow you to individually control specific user access rights.

Global Access ~ Whether you are at your business or traveling abroad, you will be able to monitor your cash position and activities 24 hours a day.  You may even access the information via your Blackberry® or PDA.

Bottom-line Results ~ Business Internet Banking  will save you time and money by:

· ... having a real-time picture of your cash position 24 hours a day. 

· ... ending daily trips and calls to the Bank.

· ... limiting and efficiently redesigning  workflow. 

Business Banking for Real Life … Sign Up Today.

Free 24 Hour Telephone Access

You can access your First National Bank accounts 24 hours a day with 1st Line!  It's easy and convenient from any touch-tone or cell phone you can get daily account information including checking, Money Market, savings, Certificates of Deposit, IRAs and loans. You can:

• Access account balances

• Access account history

• Transfer money

• Check our office locations and hours.

 Call us today to get started.  It's easy to use, convenient, and private.

Credit Card

Compare our credit card to the others.  Our credit card offers:

• Local, Personal Service.

• No annual fee.

• Annual recap broken down by expense categories..

• Fixed Rate of 13.70% APR.

• Visa World-wide Acceptance.

• ATM Access with Assigned Personal Identification Number

• Flexible Payment Option. Pay by check or set up automatic monthly payments from any First National Bank of Muscatine checking or savings account for the full payment, minimum payment, or a fixed amount.

Sign up today.