Cash Management Solutions for Businesses

Our priority is to provide the safest and most reliable services to all our business customers, their vendors and employees.

ACH, or Automated Clearing House, is one of the largest, safest and most reliable payment systems in the world today. It moves trillions of dollars each year. And the ACH network continues to expand so more businesses and individuals will benefit from quicker, safer, and reliable processing of payments and deposits.

Start taking advantage of ACH for your business through First Bank and Trust Company's business online banking.

ACH Payments

• Credit and Debit Transactions
• Employee Payroll Processing and Direct Deposit
• Recurring and One-Time Payments
• Government Payments and Transactions
• No more worrying about checks getting lost in the mail
• Save on printing and postage costs

ACH Positive Pay

ACH Positive Pay protects your checking account from fraudulent transaction attempts. Positive Pay is an easy, automated process that will save you time, money and the frustration of dealing with a compromised account. It only takes a few minutes to set up, and our dedicated Commercial Deposit team provides the training and support.

How does it work?

ACH Positive Pay allows you to establish a list of "Approved" companies to debit your account. If an unauthorized company attempts to debit your account, First Bank and Trust will alert you first. Following notification, you will have the final decision to "Pay or Return" the debit attempt from within business online banking.

How to get started with ACH Positive Pay

1. Ask your banker to set your company up for ACH Positive Pay
2. Schedule training with your banker
3. Begin using ACH positive Pay through Business Online Banking

Check Positive Pay

Check Positive Pay protects your checking account from check fraud attempts. Positive Pay is an easy, automated process that will save you time, money and the frustration of dealing with a compromised account. It only takes a few minutes to set up, and our dedicated Commercial Deposit team provides the training and support.

How does it work?

Check Positive Pay matches the account number, check number, payee and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the company.

If a check attempting to clear does not match information submitted, First Bank and Trust will alert you first. Following notification, you will have the final decision to "Pay or Return" the check from within business online banking.

Features and Benefits

• Constant monitoring of suspicious check activity
• Get email alerts if fraudulent activity is detected and be confident the funds
  won’t leave your account without the proper match
• Support from your First Bank and Trust Business Relationship team either via email, phone call or at one our local offices

How to get started with Check Positive Pay

1. Ask your banker to set your company up for Check Positive Pay
2. Schedule training with your banker
3. Begin using Check Positive Pay by manual entry or CSV file through Business Online Banking

Send Domestic Wires Safely and Efficiently

We provide an efficient, secure, and convenient platform for sending domestic wires.

Features and Benefits:

• Authorized users can conveniently initiate domestic wires online.
• Add efficiency to your wires process with the ability to save templates for recurring and future dated wires.
• Increase your security measures with assigned Users Dual Control requirements and/or file limits.

Initiate a stop payment from within Business Online Banking.

Time is money - act on lost or misplaced checks quickly with access from within Business Online Banking.

Features and Benefits

• Convenient access to key Stop Payments from your home or office computer.
• Easily access a list of active Stop Payments on file.
• Assign user privileges to personnel as needed.

Streamline your business's entire deposit process while reducing your transaction and operating costs with FB&T Mobile Business Deposit.

FB&T Mobile Business Deposit is an easy-to-use mobile application available to and most suitable for businesses with low check volumes and/or remote personnel. This solution enables business account holders to conveniently deposit checks anytime, anywhere using camera-enabled smartphones and tablets.

Features and Benefits

• Deposit checks quickly and easily from anywhere with your smartphone or tablet
• Improve cash flow by receiving funds faster
• Protect your check deposits by securely processing them
• Supports multiple users
• Accommodate multiple checks in a single deposit
• Enable checks to be deposited into multiple accounts
• Track all deposit activity with robust reporting tools
• Allow payment data to be added to deposits

FB&T Mobile Business Deposit fully integrates with Remote Deposit Capture (RDC), our desktop solution, allowing for greater efficiencies, expedited funds availability, and improved cash flow, no matter where you are.

Software Requirements

• Apple iOS: Versions 16 and 17
• Android: Versions 10, 11, 12, and 13

With First Bank and Trust’s Remote Deposit Capture, we bring the bank to you.

Don’t waste time driving to and from the bank to deposit checks.

Features and Benefits

• Securely deposit checks at any time of the day using your home or office computer.
• Select the Remote Deposit Capture features and benefits to fit the size and unique needs of your business.
• Local support and service from your First Bank and Trust Business Relationship Officer

Scanning hardware is required, and available for lease at First Bank and Trust Company. Must have a checking account at First Bank and Trust Company to process transactions.

^{In addition to high-speed internet connection, the following certified components are required for working with SmartPay Business (SPB).}

For PCs:

• Windows 11: Microsoft Edge® or Google Chrome

Note: The current version of Chrome, and its two previous versions, are supported.

Macintosh

• macOS™ 10.14.x Mojave: Google Chrome
• macOS™ 10.15.x Catalina: Google Chrome
• masOS™ 11.x Big Sur: Google Chrome

Note: The current version of Chrome and its two previous versions are supported.

Full-Service Payroll Solutions for Your Business

As a business owner, you know that the secret to success is proper time management. Mundane tasks such as managing payroll and other HR responsibilities shouldn’t consume your schedule. These tasks are tedious and could potentially cost you time AND money if mistakes are made.

First Bank and Trust Company has teamed up with Paychex to give you an affordable, reliable, full-service option for outsourcing payroll, HR, and employee benefit administration. Paychex is a leading provider of HR solutions, with more than 650,000 clients nationwide.

Paychex is a full-service payroll provider for small businesses, paying 1 in 12 private-sector workers in the U.S.

Benefits of Paychex payroll services include:

• Flexible Payroll Reporting - How you report your hours is up to you.
  
  Payroll input options include:
  
  
  • Phone – A quick call with your dedicated Paychex rep
  • Online – Input payroll wherever you are, on any device, via Paychex Flex®
  • Mobile app – Key in hours on the go with the free Paychex Flex app for iOS® and AndroidTM
    
    
• Multiple Employee Pay Options - Paychex will pay your employees by the method they prefer, with payment options including:
  
  
  • Direct deposit
  • Pre-signed checks
  • Prepaid pay cards
    
    
• Payroll Tax Administration - Don’t risk penalties for late or inaccurate payroll tax payments. Paychex can calculate, deposit, and file your federal, state, and local payroll taxes with the appropriate tax agency.