Payment Solutions How can you maximize funds for investments and retain enough cash to make regular disbursements without
spending your entire workday managing the process?

Easy. Talk to us about designing a Payment Solution that includes the following services to simplify your
workday:
  ACH Origination of Payroll and Payments
  Positive Pay
  Visa Business Debit Cards
  Wire Transfers
  Zero Balance Account
ACH Origination (Payroll or Payments)

Streamline your payroll and make payments faster with our ACH Origination system. You can pay your
employees through direct deposit and make payments to State and Federal Governments for tax payments. You
can also pay other vendors who accept ACH credits for payments.
  • The advantages of First National Bank ACH Origination include:
  • Reduced administrative/operating expenses.
  • No risk of lost or stolen checks.
  • Reduced clerical costs for account reconciliation.
  • Elimination of stop payment charges and check reissue costs.
  • Your employees enjoy same-day funds availability and save trips to the bank.
  • Reduced mailing costs.
  • Confidentiality of payroll information.
Talk to the Manager at the First National Bank location nearest you to see how easy it is to set up ACH Origination
for your business.

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Positive Pay

Strengthen your cash control and virtually eliminate check fraud in one easy step with our web-based Positive
Pay program. You provide an electronic file with a listing of checks that your business has issued. If a check that
is not accounted for on the list is presented for payment, it will not be honored without your approval.

Positive Pay helps your business:
  • Reduce fraud - Unauthorized transactions are intercepted early to prevent significant losses.
  • Save time and money - Positive Pay eliminates manual check sorting and the costs associated with storing
    checks. Positive Pay is also a convenient alternative to requiring dual signatures for checks drawn on your
    accounts.
Contact the Manager at the First National Bank location nearest you to see how Positive Pay can help your
business save time and money.

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Visa Business Debit Cards Apply Online Today

Upgrade your business tools with a card that works like a check. First National Bank’s Visa Business Check Card
offers the convenience and control you need to take care of your business' banking and purchasing needs. The
check card works like a check, without the check-writing and check-approval delays.

Simply present your First National Visa Business Check Card wherever Visa is accepted and sign the receipt.
Every transaction is automatically deducted from your company's checking account.

Advantages:
  • Provides electronic purchasing ability to you and your employees without having to extend credit.
  • Worldwide acceptance that makes purchasing business supplies a snap.
  • All transactions are detailed on your company’s checking statement.
  • Automatically pay bills or suppliers on a regular basis.
Visa Extras

Visa Extras is an innovative incentive program that gives Business Check Card holders the opportunity to earn
points for qualifying purchases made with the card. Visa Extras awards Business Check Card holders with points
for every dollar they spend on qualifying purchases using their enrolled Visa Business Check Card and offers a
broad range of rewards choices. This program offers you and your business the opportunity to earn points for
everyday purchases at the places you like to use your Business Check Card and for the things you need to buy.

Enroll in the Visa Extras Program

Visa Business Partner Advantage

Visa Business Check Cards are more valuable than ever with special offers from Visa Business Partner
Advantage. The Visa Business Partner Advantage program lets our Business Check Card holders take
advantage of savings and benefits from well respected merchants. Our cardholders save by making purchases
from select Visa partners. Small business cardholders will especially appreciate a number of unique benefits with
the Visa Business Partner Advantage program. You'll discover immediate savings whenever you use the Visa
Business Check Card with select merchants. It couldn't be easier.

Learn more about Visa Business Partner Advantage

Your success depends on how effectively you control and monitor your expenses. A First National Bank Visa
Business Check Card can provide this and more for your company. Apply online or contact an office nearest you.

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Domestic & Foreign Wire Transfers

We provide services for both Domestic and International Wire Transfers. With this service you will be able to
send your outgoing wires in a timely manner.

To send a wire, visit any location and bring the following information*:
- Your name, address, and the account number of the account from which the funds will be sent.

- The name and address of the receiving bank. The address is necessary only if you want to send the wire to a
specific branch.

- The receiving bank's ABA number or SWIFT code (for international cables).

- The account number the money is going to and the name on the account.
Wire Transfers submitted after 3:00 PM will be processed and sent out on the next business day.

* Commercial customers are able to complete a wire transfer agreement which allows them to do pre-established
recurring wires by Execubanc, our Internet Cash Management system, or by phone.

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Zero Balance Account

This account gives you the flexibility to make payments without keeping cash sitting idle in a payment account.
Checks drawn on your Zero Balance Account (ZBA) will presented for payment throughout the day.

We maintain a running total, and at the end of the day automatically transfer funds from your central account to
your ZBA to cover the total. This maintains your zero balance. This process helps to reduce idle balances in
multiple accounts, increase control over local deposit and disbursement activity, and reduce the possibility and
cost of overdrafts in outlying accounts.

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