Cash Management Services

Credit & Debit Card Processing

Own a business and want to start accepting credit card payments? First Federal Bank makes it easy to offer customers a wide variety of payment options from credit cards and debit cards, to gift cards and checks. We go beyond basic credit card processing to help you make transactions easier, faster, safer, and more valuable to your bottom line.

• Accept credit cards including Visa^®, MasterCard^®, Discover^®Network, American Express^® and more.
• Get quick access to your account anywhere, anytime with online reporting.
• Choose from a wide variety of advanced credit card processing technologies including wireless, Internet, and PC-based options.
• Offer innovative payment options for credit cards, PIN-based debit, gift cards, electronic check acceptance, and more.

Remote Deposit Capture

Remote deposit capture eliminates the need for in-person check deposits, which means more time to focus on your business.

• Make your funds available faster.
• Make check deposits anytime.
• Save time preparing check deposits.
• Consolidate funds from remote locations into one financial institution.
• Cut costly courier fees or trips to the financial institution.
• Reduce risk of check fraud.

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ACH Origination

Automated Clearing House (ACH) transactions are a fast, efficient method for making and receiving payments. In fact, more than $22 trillion worth of ACH credits and debits are processed every year in the United States. ACH allows you to create electronic payments and deposits and originate ACH transactions when and where you want — safely and quickly.

It’s the cost-effective way to handle routine transactions and can be used for a wide variety of payment and deposits, including direct deposit of payroll, payments to vendors, and federal tax payments. Your business can easily add ACH transactions to your financial toolbox — to get started, all you need to do is give us a call today.

Positive Pay

Positive Pay is one of the most powerful tools you can use to protect your company against check fraud. The concept is simple: when you issue a batch of checks through your accounting program, the records are imported to the Positive Pay system. As those checks are presented for payment, we compare the date, amount, etc. that was imported from your accounting system. If any discrepancies are found, the check is flagged and placed in the Positive Pay Exception list for you to review. You determine whether the check should be paid or rejected.

It’s a simple but powerful way to stop the most common types of check fraud.
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Cash Management Banking

A whole new business online banking experience!

Cash flow is the lifeblood of all business. Our Cash Management Banking is designed to make managing your cash, payables, and receivables easier than ever.

More Advanced Tools to Better Manage Your Business

With Cash Management Banking, you'll find the same powerful banking software you rely on - with important new features:

• Responsive design to enhance your mobile and tablet experience
• Touch-friendly screens
• Intuitive navigation
• Embedded ACH and wires
• Enhanced functionality for stop payments
• New Personal Profile to simplify managing your user information

First Time Log-on

Use the same credentials as before. If you are currently using a token, then follow the same procedures. New tokens are not required.

Explore What's New

Learn how Business Online takes digital business banking to a new level. We encourage you to watch the new Business Online Banking video tutorials so you'll be fully prepared for the changes.

If you have questions about any of our business services, please contact us at (337) 421-1200.

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