Cash Management refers to a package of products and services offered by First National Bank that will enhance earnings for your business by helping you manage your cash with the most productive methods available. The latest technology, Money Connection Online Cash Management and Merchant Capture, are convenient and efficient services that put your cash to work faster and keep your staff at work instead of repeated trips to the bank. We are committed to our business customer's success and our well-trained staff will personalize the products to best suit your needs!

First National Bank prides itself on offering the latest in technology combined with the personalized customer service of a community and employee owned bank.

• Money Connection™
• Money Connection Online™
• Money Connection Online Bill Payer™
• Money Connection Online Cash Management™
• Merchant Capture
• Merchant Card Services and Credit Cards
• Account Analysis Statements
• CD-ROM Statement Delivery
• Check Collect Recovery Services
• Coin Currency, and Depository Services
• Customized Return Check Processing
• Reserve Checking Line of Credit
• Stop Payments
• Sweep Accounts
• Wire Transfer

Money Connection™
is our free phone banking service that allows you to make account inquiries and transactions 24 hours a day from anywhere in the United States. Call the number most convenient for you: Cedar Falls @ (319) 268-7273 -- Waverly @ (319) 352-2591 – or 1-800-818-7454

• Get savings and checking account information
• Find out what checks have cleared
• Check balances
• Transfer funds between accounts
• Get information on loan accounts / CD’s / IRA’s

Money Connection Online™
is our free internet banking service .

• Check account balances
• Review your statements
• Reconcile your accounts
• Transfer money between accounts (transfers between accounts may be posted the next business day.)
• Make loan payments
• Print an activity statement.
• Frequently Asked Questions & Answers
• Online Enrollment Form

Money Connection Online Bill Payer™
allows you to pay utility bills, make mortgage payments, insurance payments and other regularly scheduled payments, online. You must have Money Connection Online to access this service. Paying bills has never been so easy and convenient!

• Schedule recurring payments to be automatically deducted from your account monthly, bi-monthly, quarterly, or annually.
• Schedule future payments.
• Make one-time payments.. just like writing a check.
• Fees may vary. Ask a personal banker or commercial lender for details.
• Frequently Asked Questions & Answers
• Online Enrollment Form

Money Connection Online Cash Management
includes all the features of Money Connection Online, plus the ability to originate automated clearing house (ACH) transactions and wire transfers. This service is available to our business customers. Bill Payer is available upon request.

• Set up multiple users within the business and limit the user's ability to view certain accounts or initiate transactions.
• Set up, maintain and send Wire Transfers
• Set up, maintain, and initiate ACH transactions (payroll, collect onetime or recurring payments, etc.)
• Review Prior or Current Day Activity.

Merchant Card Services and Credit Cards
Merchant Card Services allows a business to accept payments by credit card. Business Credit Cards allows a merchant to charge purchases for items needed for their business.

Merchant Capture
will allow the customer to transmit their deposits electronically from their desk. The customer will scan the checks on-site, review the images online and create the deposit.

Account Analysis Statements
provide a monthly summary of checking account activity and balance information. In one report, the customer is able to see a detailed look at all activities, charges, and required balances to offset fees. Available to customers with a Business Checking account type.

CD-ROM Statement Delivery
means receiving your bank statements, images of your checks and deposit tickets as well as deposited items on a CD-Rom.

• Images of checks, deposits, and items deposited are included
• Customers are able to search and sort items

Check Collect Recovery Services
First National Bank will convert your returned deposited items into an ACH transaction for collection. Converting a returned check into an ACH transaction allows the check to be re-presented an additional time and the possibility of increasing your collection rate. 

Coin, Currency, and Depository Services
Coin, currency, and depository services include all of the services a business will need for handling its cash. First National Bank provides coin in/out service, rolled coin, currency in/out and both direct and night depository services. If the business has a large sum of cash or papers they want to keep off-site, First National Bank offers safety deposit boxes and cash vault facilities.  

Customized Return Check Processing
First National Bank will customize return check processing to fit the customer’s needs.

Reserve Checking Line of Credit
is an overdraft protection program, whereas the customer has set up, by agreement with First National Bank, a loan account which will transfer funds to a checking account should the customer have an overdraft or request short-term funds.   

Stop Payments
can be placed on a check or group of checks that the business no longer wants processed or in the event that checks were stolen from the business. Stop Payments can be ordered at any time through Money Connection and Money Connection Online,or by contacting any of the First National Bank offices.

Sweep Accounts
are an automated way for a customer to manage their money by setting targeted balances on checking accounts.

Wire Transfer
is an electronic guaranteed transfer of funds. First National Bank is able to wire any amount to financial institutions around the world subject to OFAC and government rules.