Treasury Management

Manage Account Information

Business Online Banking - has a package that is right for you

Information Reporting Services put information at your fingertips, helping you make the important decisions necessary to properly manage your funds.

• Allow multiple users, each with customized levels of access
• Receive automated activity and security alerts via voice, SMS, or email
• View and download transaction history and account statements
• Transfer funds between linked First Financial accounts (real time, scheduled, recurring)
• Place a stop payment on a check
• Interface with Intuit QuickBooks via DirectConnect
• Option to receive BAI2 files for reconciliation
• Business Mobile App allows you to access information on the go.

Liquidity Management

Zero Balance Account

Tie any account to your operating account to consolidate funds while maintaining separation of payables, payroll, and receivables.

• Account will be swept to zero at the end of each day either funding from the operating account or consolidating to the operating account
• Peg account balance may be designated if desired

Investment Sweep

Earn interest by automatically moving excess funds to an interest- bearing account 

• Funds are readily available in your operating account when needed

Loan Sweep

Transfer funds automatically between your operating account and loan accounts.

• Advance funds as needed to meet liquidity needs
• Use excess cash in operating account to pay down loan balance and minimize interest expense

Payables Management 

Online Bill Payment

Easily pay bills via Business Online Banking.

• Reduce check writing and postage cost
• Schedule one-on-one time and recurring payments
• Many transactions delivered electronically when possible, providing increased security and timelines
• Transfer to external accounts
• Email Payments to individuals
• Optional direct deposit feature

ACH Credit Origination 

Direct Deposit of Payroll

• Simplify reconciliation while reducing costs and risks of paper checks

Vendor Payments

• Creates a regular and predictable cash flow while reducing costs and risk of paper checks
• Low cost option for sending payments to vendors

Payroll Cards

• Employees access funds via MasterCard branded debit card and can monitor activity via web, mobile, or phone 24/7
• Easier to achieve 100% direct deposit participation & eliminates delays, costs, and risks of paper checks

Wire Transfers

Large-value, same-day settlement electronic funds transfer.

• Available via Business Online Banking 
• Secure transaction when adequate controls, such as token and approval required 
• Create from existing template or enter one time payments

Corporate Purchase Cards

Establish a credit line to fund business and operational expenses.

• Easily track employee purchases and limit spending by card
• Easily deactivate cards when necessary
• Earn valuable revenue share through card spend
• Reduce administrative costs through automated expense reporting
• Promote compliance with travel policies and spend limits

Receivables Management

Merchant Services

Accept Visa, MasterCard, or Discover, and/or American Express from your customers as alternative payment methods to cash or checks.

• Next day funding for deposits to First Financial Accounts
• Local service and 24/7 telephone support
• Up-to-date equipment options
• Safe and secure

Remote Deposit Capture

Conveniently scan checks in your office without going to the bank to make your deposit. 

• Less time and expense making a trip to the Bank
• Reduced liability for employee safety
• Easily deposit to one account or many accounts
• Images of checks are readily available for research

Mobile Remote Deposit Capture

For those on the go, we offer mobile deposit options. Mobile deposit allows you to take pictures of checks on the go. Choose from our simple product, Mobile Integrated, as part of our mobile app for basic needs or our stand alone business mRDC app for multi check deposits, customized deposit limit, and multi users. 

ACH Debit Origination

      Collections

• Collect payments on a fixed schedule
• Low cost option to receive payments
• Reduce time and costs associated with handling paper checks
• Create a regular and predictable cash flow

Lockbox

Receive payments at a designated PO Box. Deposits are made to your bank account, and remittance information is delivered to you for easy payment posting.

• Highly efficient payment processing method
• Saves time staff spends on payment processing
• Saves small mail, processing, and availability float
• Saves trips to the bank
• Simplifies payment posting and reconciliation
• Saves investment in payment processing equipment

Payment Manager

Manage Risk and Avoid Costly Effects of Fraud with this Fraud Prevention Tool

Timing is critical in identifying and preventing fraudulent check and electronic activity on your accounts. Receive email notifications and SMS alerts if desired when expectations occur. Improved control and security by automating monitoring to detect unusual check and ACH activity. 

Positive Pay

Altered and forged checks create the potential for severe financial loss, lost time and unexpected costs associated with fraud. Positive Pay provides timely detection and minimizes the possibility of fraud loss the disruption it causes.

• Offers Payee Match controls
• Auto void checks based on time frame
• Power to pay or return unauthorized and stale dated checks timely 
• Hand key, import, or automate delivery of issued checks 
• Flexible mapping for file import
• Account Reconciliation is easy with outstanding check reporting on demand

ACH Filter 

ACH Filter allows for pre approved ACH debits to clear while creating exceptions for unapproved debits that occur.

• Pre-approved by Sending Company ID
• ACH type 
• Maximum amount 
• Debit vs. Credit

ACH Debit Block

ACH Block - can be used when an account does Not have any ACH debit activity nor is it expected to in the future. All ACH debits are auto returned.