Cash Management & Merchant Processing
Better Manage Your Time & Money
Effectively managing your cash flow is a key component to successfully navigating your business’ financial well-being. From collection to disbursement, transfer to investment, there are a lot of opportunities for you to streamline your process. A strong banking relationship can help you determine the products and services you need to establish the right cash management pathway and help you free up more time to spend on your core business.
Many small businesses face the same cash flow issues. Did you know1:
- 61% of small businesses regularly struggle with cash flow
- 69% of U.S. Small Business Owners have been kept up at night by concerns about cash flow
- More than half of small business owners have lost $10,000 or more by forgoing a project or sale as a result of poor cash flow
- Nearly a third have been unable to either pay vendors, loans, or themselves or employees as a result
- A third of owners estimate their company currently has more than $20,000 in outstanding receivables
Choose a Stage of the Cash Flow Journey
There can be a lot of lingo when it comes to banking. Visit our page of common industry terms to break down what everything means.
Need Help Deciding?
There are a lot of options and solutions available for your business. One of our community banking office managers would be happy to talk about your business needs.
Sell & Collect Payments
Your customers have a range of payment options available and you want to process transactions quickly. Explore options for point of sale, mobile payment, and direct payment. Then, get the money you earn into your account and working for you. FCB Bank’s CCX and Mobile Capture solutions are all designed to make this part of the cash flow cycle easy and efficient.
Customer Payment Options
With new and evolving technologies your customers expect convenient and up-to-date methods of payment.
FCB Bank’s merchant processing services enable you to accept credit and debit cards (including EMV® which stands for Europay Mastercard Visa), electronic check conversion, electronic benefit transfer acceptance, and gift cards, as well as options for mobile wallet payments like ApplePay.
- Consolidated bank statements and reporting
- Competitive rates
- credit card acceptance of all types, including face-to-face transaction, internet sales, and mobile payments
- The most up-to-date equipment technology available for purchase
Direct Payment (via ACH)*
A direct payment is an electronic payment from a client, consumer, or donor checking or savings account directly to your company or charitable organization’s account.
Direct payment solutions help reduce paper checks, strengthen the security of your payments, and same-day ACH options allow you to send and receive payments faster. It can also help reduce billing costs.
Commercial Capture Xpress (CCX)
Also called Remote Deposit Capture, CCX allows you to make check deposits without a trip to the bank. Your business can capture checks electronically using a scanner and transmit the images electronically over an encrypted connection to FCB for deposit. All you need is a computer with high-speed internet, FCB will provide options for a scanner.
Business Night Depository
Drop off your business deposits after hours at any FCB Bank location for processing during the next business day. Bank on your schedule with the peace-of-mind of FCB Bank.
Cash Concentration (via ACH)*
If you have multiple locations and accounts a Cash Concentration solution can help you concentrate funds to a central bank account at FCB Bank. This is particularly helpful as balances can be transferred from local banks serving your locations to one central FCB Bank Business Account.
ACH Account Block
Prevent fraudulent and unauthorized ACH activity from posting to your business activity. With ACH Block you can choose your level of protection depending on your business needs.
- Block All: Enables you to block all incoming ACH debits and credits
- Single Item: Allows you to authorize a single transaction by providing the company identification information and transaction amount to be verified by FCB.
- Authorized: permits transactions that occur on a regular basis and creates an authorized user list with pre-defined filters.
Review, detect, and make decisions on your checks before they are paid. Positive Pay helps you reduce your risk of becoming a target for fraudulent activity. You provide information electronically about all check you have issued and FCB validates all checks presented for payment against your list. Any checks presented that have not been issued or do not match the details you submitted are submitted for your review via Business Online Banking.
FCB Bank Checking & Savings
Our Cash Management and Merchant Processing solutions are built to integrate well with FCB Bank Checking and FCB Bank Savings accounts. See how a complete financial partnership with FCB Bank can help your business thrive and grow.
Track, manage, and review your funds from anywhere using the FCB Bank Mobile & Online banking services. If you’re like most business owners we know, you’ll enjoy the peace-of-mind of being able to check in on your funds at any time. Learn more about our Mobile & Online Banking platforms that include features like transaction information, stop payments, ACH*, and Wire Origination.
*These products may require credit approval. Some exclusions may apply. Contact FCB's Commercial Banking department at 1-301-620-1400 for more information.
**Investments are NOT deposits and are not FDIC-Insured or insured by any federal government agency. There is no bank guarantee and funds may decrease in value.