We offer a number of services designed to manage your funds for greater convenience, greater control and, most important, greater return. We can also customize a plan that incorporates one or more of these services to fit your particular operational requirements. These services include:

Account Reconciliation

Reduce your clerical costs and protect yourself against fraud by allowing us to match your disbursement records to our listing of paid and outstanding checks. 

Cash Concentration Account 

Minimize your excess balances in any non-FCB accounts, and centralize your funds to control your cash flow. If you have cash accumulating in deposit accounts in other banks, you can move funds from those accounts to an FCB Cash Concentration Account simply by initiating an ACH transfer. You can also transfer funds back to those accounts as needed to fund disbursements. This account is an ideal companion to our Commercial Overnight Sweep. 

Commercial Overnight Sweep 

Profit from your excess checking balances by having them automatically “swept” into an overnight investment at the end of every business day. All earnings are credited to your account. 

Online Banking and Bill Pay

Do your business banking anytime from anywhere you have online access. Retrieve account information, initiate funds transfers and access a range of cash management services (including ACH). Use our Bill Pay service to handle your bills quickly and easily. 

Positive Pay 

Protect your company against check fraud by having us compare information on checks issued with those presented for payment. We match presented checks by serial number and amount to your records and report any discrepancies. Based on your instruction, items can be paid or returned. 

Remote Deposit Capture 

Save trips to the bank by depositing checks electronically from your business using a secure Internet connection and a check scanner that we can provide for you. It enables your deposits to be prepared quicker and processed faster, and our same-day credit for your deposits gives you the advantages of improved cash flow. 

Wire Transfers 

Enjoy peace of mind and improved cash flow by allowing us to handle your domestic and/or international wire transfers. You may also use our Online Banking service to simplify the process while maximizing your funds availability. 

Zero Balance Account (ZBA) 

Maintain greater control over your disbursements by eliminating excess balances in separate accounts. This special checking account is automatically funded from other deposits only when checks are presented for payment.