Business Cash
Management

ACH Processing

• Individual login for each authorized employee — no shared credentials
• Import files directly from your accounting software (CPA access available)
• Securely upload and submit ACH files
• Token-enabled for enhanced security

Remote Deposit Capture

• Make deposits without leaving the office
• Accelerated clearing improves cash flow
• Save time by reducing manual keying and balancing

Wire Transfer

• Submit wire details online with ease
• Token-enabled for added security
• FNB call-back verification ensures accuracy and safety

Positive Pay

• Protect your business from check fraud
• Review and control which checks are paid

Other Online Banking Tools

• Place stop payments quickly
• Transfer funds in real time
• View account activity and electronic statements
• Retrieve check images anytime
• Set multiple levels of employee authorization for added control

View the demo for online banking at our Online Video Learning Center.

Internet Banking Terms of Use

With Remote Deposit Capture from First National Bank, your business can make deposits electronically from the convenience of your office — no need to visit a branch. Available 24 hours a day, 7 days a week, this secure and convenient service simplifies your banking routine and helps you manage cash flow more efficiently.

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Simply scan checks, enter the amounts, and submit — the system walks you through each step, from balancing to final transmission. Deposits are processed in real time for faster availability, and if an adjustment is ever needed, you’ll receive an automatic email notification.

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Features of Remote Deposit Capture

• Thin-client solution that’s easily implemented right in your office
• Added convenience and significant time savings
• Reduced costs by eliminating trips to the branch
• Improved funds availability through more timely deposits

ACH (Automated Clearing House) Origination connects your business directly with financial institutions to process electronic transactions quickly and securely. Common uses include direct deposit of payroll, preauthorized bill payments, and deposit of government checks. The ACH network remains one of the most reliable, accurate, and cost-effective ways to move money — giving your business a simple, trusted solution for managing payments.

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First National Bank offers the following services:

• Payroll direct deposit
• Cash management services
• Preauthorized bill payments
• Federal and state tax payments
• Child support payments
• Collect donations electronically
• Accounts receivable transactions

Keep your business moving with our credit cards. Give your employees the flexibility to make everyday purchases, manage travel expenses, and handle business costs — all without the hassle of reimbursements or expense checks.

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Business Credit Card Features

• With a community bank, your credit limit and application are approved locally
• No annual fee for First National Bank customers
• Cash back rewards program (must meet credit limit qualifications)
• One convenient, easy-to-read statement outlining all employee cards and their individual transactions
• Unlimited number of personalized cards can be issued under your master account, allowing you to set individual limits
• Manage and pay your account and view employee transactions online at MyCardStatement.com
• Payments accepted at any of our 5 branch locations
• 24/7 fraud protection and customer service

For customer service, to report your card lost/stolen or to report fraudulent activity

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During banking hours, please contact any of our branches:

New Bremen: 419-629-2761

Botkins: 937-693-1537

New Knoxville: 419-753-3456

Sidney: 937-492-1292

Wapakoneta: 419-738-2194

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During non-business hours:

24/7 Customer Care 1-800-369-4887

Lost or Stolen Card 1-800-325-3678

Fraudulent Activity 1-800-369-4887

The following are terms and conditions relating to the VISA Card service and are provided to VISA Card issuers. This document does not constitute legal advice to issuers or any other party from VISA or its counsel. VISA Card makes no representation or warranty regarding the effect of this language under federal law or the laws of any state. The following may not represent a complete list of terms and conditions or content necessary or advisable for Members. These provisions could affect the issuer's legal rights and responsibilities.

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Interest Rates and Interest Charges

• Annual Percentage Rate (APR) for Purchases:
  • 14.90% Variable-Rate determined by adding 7.90% to the Prime Rate*
• APR for Cash Advances:
  • 14.90% Variable-Rate determined by adding 7.90% to the Prime Rate*
• Penalty APR and When it Applies:
  • None
• Paying Interest:
  • Your due date is at least 25 days after the close of each billing cycle.
  • No interest is charged on retail purchases if the entire balance is paid by the due date.
  • Interest begins accruing on cash advances from the transaction date.
  • Balance transfers are not offered.
• Minimum Interest Charge:
  • If you are charged interest, the charge will be no less than $1.00.
• For Credit Card Tips from the Consumer Financial Protection Bureau:
  • To learn more about factors to consider when applying for or using a credit card, visit www.consumerfinance.gov/learnmore

Fees

• Annual Fee:
  • $35.00 — waived if applicant has an account with First National Bank.

Transaction Fees

• Cash Advances — $2.00 or 2.0% of the amount advanced.
• Foreign Transactions — 1.0%.

Penalty Fees

• Late Payment — If the minimum required payment is not received within 7 days after the closing date subsequent to the payment due date, a $25.00 late payment fee will be imposed.
• Over-the-Credit-Limit — None.
• Returned Payment — $25.00.

Other Fees

• Pay by Phone — $6.00.

The Business Sweep Account at First National Bank is designed to simplify your cash management by automatically transferring funds between your business checking and money market deposit account (MMDA). The sweep feature moves money in and out of your accounts as needed, saving your team the task of manual transfers. You’ll have unlimited transfers to your Money Market Account, while banking regulations limit the number of automatic transfers from it. Let First National Bank automatically invest your excess cash — so you can focus on running your business.

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Features of Our Sweep Checking Account Include:

• Designed for business account holders
• Eliminates need to transfer money between accounts
• Automatically transfers money into and out of accounts
• Transfer amount based on predetermined amount
• Unlimited transfers to your Money Market Account
• Limited to six automatic transfers from your Money Market Account per month per banking regulations
• You determine the minimum balance and sweep increments
• Maintenance fees can be offset with earnings credits

Positive Pay is an effective risk management tool that helps businesses monitor and prevent check fraud. You provide details of the checks issued each day, and a secure database is created. As checks are processed, the system matches each item against that database. If a check number or amount doesn’t match, an exception report is generated so you can review and approve or decline the item before payment — stopping fraudulent checks before they clear.

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Features of Positive Pay

• We offer this risk management solution at a reasonable cost
• Effective risk management solution for your business checking account
• Catch fraudulent checks before they are paid out
• An electronic form of business insurance to protect you against check fraud
• Reasonable cost to implement

If you would like more information or have questions about this product, please contact one of our commercial loan officers or your local branch office.

Our Merchant Services program offers competitive rates, personalized support, and advanced payment solutions tailored to your business. All card processing is handled directly through your checking account, with sales transactions processed electronically and funds automatically deposited — fast, secure, and convenient.

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Processing Services Provided

• Visa
• Mastercard
• Discover
• ATM Debit Cards
• Private Label
• Check Guarantee
• Check Recovery
• Customized Services Available
• Gift Card Services
• Equipment Rental (or reprogram your current equipment)

Features

• All Bank card products are processed with a federally insured financial institution
• Funds are electronically deposited into your First National Bank checking account
• Highly competitive discount rates & equipment cost
• On-site training & ongoing personal support
• 24-hour help desk
• Specialized programs for different industries