Business Services

Our vast array of Business products & services include:

  • Checking, Savings & Money Market Accounts
  • Health Savings Accounts
  • Business Certificates of Deposit
  • Direct Deposit Payroll
  • 24/7 Hour Online Banking
  • Safe Deposit Box
  • Foreign Currency
  • Merchant Services
  • Remote Deposit Capture

FNBusiness Link Cash Management

Cash Management allows you to access your account information 24 hours a day, 7 days a week for your convenience.  Save time and expense by doing your banking from the comfort of your home or office.  All you need is internet connection to transfer funds, check real-time balances or even pay bills!  It’s always open, totally secure and easy to use.

  • View account activity online and initiate transactions 24/7
  • Create ACH transfers
  • Electronically deposit payroll
  • Initiate wire transfers
  • File tax payments
  • Transfer between bank accounts
  • Loan payments and advances
  • Initiate stop payments
  • Check on the status of checks and/or deposits
  • Print front and back images of checks
  • Print previous statements
  • Mobile Deposit
    • Deposit checks right from your tablet or smartphone!
  • Business owner determines multiple user rights/account access and password protection within the company.  Setup separate dollar limits, applications and security levels for each user.


Business Bill Payment

  • Pay bills online 24 hours a day, 7 days a week
  • Set recurring payments or pay individually
  • Save stamps, envelopes and time
  • First 15 items are free per cycle, then only $.50 per item thereafter


Please contact us if you would like more information or to sign up.  We will tailor each cash management program to meet your individual needs.


Remote Deposit Capture

Are you looking for a way to save time in your busy schedule?  Look no further.  We have a product that will allow you to scan and send your deposits electronically to the bank from your home or office.

  • Added convenience for your staff and business
  • Greater processing efficiency
  • 24/7 availability


Merchant Services

Our Merchant Services give you the ability to accept nearly all forms of payment from your customers, giving you the competitive edge you need in today’s business world.

  • Credit and debit card processing
  • Point-of-sale terminal, touch-tone phone and wireless solutions- Wireless terminals are the perfect solution for merchants on the go
  • Check verification services

Additional Services

First National Bank of Waterloo partners with a company to offer additional services to businesses.  If you or anyone you know are in need of any the services below, please email our Premier Business Advantage representative with questions or to set up a meeting.  You can also contact the bank at (618) 939-6194 and we can provide with you contact information as well.

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