Overnight Investment Program
In today’s highly competitive business environment, your company must make the most of every resource, and that includes your cash assets. Our Overnight Investment Program allows you to keep your assets liquid while earning a competitive rate of return.

Features:

• Every day, your net cash flows are automatically invested
• Your money earns competitive yields while remaining liquid
• When it’s needed to cover checks, the money is automatically swept back into your business checking account

Benefits:

• Higher yield potential
• Liquidity - Invested funds are available for redemption
• Convenience - Through one account you get the ease of a checking account and the higher yield potential of an investment account
• Automatic Sweep - You never need to transfer money or be concerned with timing our investments or redemptions

To inquire about our Overnight Investment Program, contact our Business Development Team at 484-881-4354 or contact us through our web site.

Zero Balance Accounting
As your business grows, so does the need for additional accounts. Opening the accounts is the easy part; remembering to make payroll transfers, selecting the correct deposit ticket and keeping your books straight is when it gets tricky.

Zero Balance Accounts (ZBA) are designed to enable businesses to maintain separate disbursement accounts for bookkeeping purposes, while eliminating idle balances and the need to make multiple manual transfers. ZBA consists of one master account and a number of linked disbursement accounts.

Features:

• Funds are automatically transferred based on your initial instructions
• Accessible through Internet Banking

Benefits:

• One time instruction
• Reduces float and overdrafts
• Reduces the need for manual transfers
• Minimizes administrative expense
• Increases invested funds when used in conjunction with First National’s Overnight Investment program

To inquire about any of our Zero Balance Accounting Program, contact our Business Development Team at 484-881-4354 or contact us through our web site.

Lock Box Services
Many businesses waste days, even weeks, depositing and posting payments to their accounts because of all of the steps involved! That’s why business professionals have turned to Lock Box Services at First National. With this service, your receivables are picked up at the post office and processed daily by First National.

Features:

• First National assigns a P.O. Box number specific to your business
• Your customers send payments to the Post Office box address
• First National schedules two pickups daily
• Payments are processed and posted to your account on the same day
• Option to have original payment invoices and check copies mailed to you the following day
• Payment information can be electronically exchanged.

Benefits:

• Saves time- First National picks up payments and processes them immediately
• Checks are examined for negotiability, endorsed and then credited to your account
• You get your money faster - Deposits are posted to the account the same day the pickup is made

To speak to someone about our Lock Box Services, contact our Business Development Team at 484-881-4354 or contact us through our web site. EDI (Electronic Data Interchange)
Electronic Data Interchange is the transfer of non-monetary information electronically from one company to another. This electronic data usually consists of invoice information accompanying an electronic transfer of funds. EDI is used by many industries including health care, auto manufacturing and the Federal Government. Although posting a payment to your account is Standard, many times the EDI information is too large to post on your statement. Upon request, First National will provide you with this information.

If your business expects to receive payments in this manner, please contact our Cash Management Department at 484-881-4290 or contact us through our web site.

Merchant Services
Businesses that accept credit and debit cards for payment have increased their sales by almost 200% over cash and checks. Through our Merchant Services Program, you too can offer these payment methods to your customers. They’ll enjoy the convenience and you’ll have fast availability to your funds.

Features:

• Increased sales
• Electronic Capture
• Low terminal costs
• Eliminates return checks for NSF or stop payment

Benefits:

• Timely direct deposit of revenues
• Competitive pricing
• Installation and implementation assistance
• Training for you and your employees
• Toll-free support- 24 hours, 7 days a week
  

To speak to someone about First National’s Merchant Services Program, please contact our Cash Management Department at 484-881-4303 or contact us through our web site.

Wire Transfers
If your company needs quick, reliable same day transfers of funds, let First National handle it for you. Our wire transfer service offers both domestic and international transfers.

Features:

• Same day service
• Domestic and International wire transfers
• Code words may be established allowing wires to be
• requested by phone or fax
• Immediate availability on all incoming wires

Benefits:

• Wire transfers are secure as funds will not be lost or delayed In the mail
• Wire transfers are invaluable in an emergency because funds are immediately available once credited to the receiving account

To sign up for our wire service, stop by any of our branch locations and fill out an agreement today!

Alternative Deposit Services
Not all businesses operate 9-5. Rather than worry about your deposit until the next business day, you can deposit funds after bank hours with our convenient night depository, mail in service and STAR® ATM network.

Features:

Night Depository

• 24-hour access
• Deposits are safe and secure
• Receipts provided
• Offered at all branches
• Bags provided by First National
• 24-hour access
• Receipts provided
• Postage-paid envelopes provided by First National

Mail Deposits

• 24-hour access
• Receipts provided
• Postage-paid envelopes provided by First National

ATM

• 24-hour access
• Receipts provided
• Deposits are safe and secure
• Deposits can be made at most area STAR® machines
• Monthly bank statement reflects transaction type and location

Benefits:

• Convenience
• Night depository and ATM deposits are kept in a secure environment
• Once received, transactions are processed the following business day

To inquire more about our Alternative Deposit Services, stop by any branch location.