Commercial Payments

Treasury Management Services for your commercial business

Commercial Payment Solutions

Cash Management Solutions for your Business

Commercial payments are more complex than ever before. Which is why having a team of experts—a group that has solved similar problems before— can help eliminate pain points and transform your cash management into a bottom-line enhancing machine. For all the services and technology you expect, plus all the insight that goes above and beyond, we’re ready to build a relationship that creates value for you.

Treasury Management

Accounts Payable

Accounts payable plays a central role in business operations and has a direct impact on cash flow management, fraud prevention, and vendor relationships across your company. The right payment solution could mean more time spent working on the next big initiative, instead of time-consuming manual processes.

Wire Transfers: Transfer funds electronically to domestic and international vendors
ACH Payables: Pay employees and vendors electronically.
International Payables: Foreign check processing and document collection.
Foreign Transactions: Facilitate single or multiple payments abroad to a multitude of countries. As a participant of SWIFT, we’re part of a premier international banking network with expertise across all continents.
International Wires: Send wires to other countries.
Foreign Exchange: Facilitate any standard spot and forward contract transactions. Gain speed and accuracy on your FX transactions in more than 90 currencies across more than 170 countries by leveraging our FX solutions.
Payables Automation: Let signing stacks of checks and tracking down payments be a thing of the past by automating your payments by integrating with your accounting software.
Commercial Card: Customized card solutions to support your payment needs.

Learn more about how to make your payables more efficient.

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Accounts Receivable

Collect payments more efficiently in a variety of ways so you can get paid faster with less fraud. At FNBO, we offer a variety of accounts receivable solutions that allow you to focus on your business and not your receivables.

Lockbox: We collect payments on your behalf and have them deposited directly into your account.
Remote Deposit Capture: Deposit checks to your account wherever you are using our mobile app or a desktop scanner.
ACH Receivables: Receive payments electronically and reduce expenses.
Invoicing Capabilities: Automatically send invoices to customers to get paid faster.
Merchant Services: Accept credit card payments in-person or online. Powered by Clover, our Point of Sale (POS) and ecommerce solutions offer payment capture devices to suit a wide range of customer needs, and they integrate with your existing bookkeeping products such as QuickBooks or Xero.

Learn more about how strategic banking solutions can streamline your AR

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Fraud Protection

Defend your business against ongoing treats with FNBO fraud protection tools. At FNBO, we take your financial protection seriously and strive to bring you the knowledge, the services and the solutions needed to secure your company assets.

Check positive pay: A list of written checks is submitted daily to financial institutions that match each presented check against provided information (checking number, account number, issue date, dollar amount). Checks that don’t match are declined.
ACH positive pay: An authorized list of trading partners and associated transactions is used to match ACH requests before the transaction is authorized. You’re notified of declined, unmatched requests.
Reverse Positive Pay: Review all checks that have been presented to your account for payment before payment is sent, allowing your business to detect and stop fraudulent, altered or counterfeit checks from posting to your account.
Check Block: Restrict all payment activity to electronic activity. By limiting paper checks and restricting your business to only digital transactions, you’ll reduce the risks associated with dealing in paper.
Dual control: All financial transactions require the approval of two business stakeholders before they are released by FNBO.
Multifactor Authentication: Requiring additional forms of ID at login reduces the risk of fraud should one form of ID become compromised, there is an added layer of protection.

Mitigate fraud with treasury services

Liquidity Management

Maximize Your Bottom Line.

You work hard to ensure that your business is generating a positive cash flow. Why not maximize your excess cash so that it continues to build your company’s bottom line?

We offer a full range of solutions that can help you take control over your account balances and boost your earnings. Stay on top of your short-term balances and reward yourself with competitive rates and enhanced investment opportunities.

Sweeps and Insured Cash
Money Market Accounts
Certificates of Deposit
Capital Markets
Controlled Disbursements
Payable Through Drafts

Learn more about Smart Liquidity Management

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Information Reporting

We provide access to daily payment data, empowering you to make informed decisions about your financial activities and cash flows.

Generate standard, custom, and specialized reports that detail account activity, sent payments, and received payments. Additionally, users can access comprehensive account and transaction data to create customizable reports that can be exported in multiple formats.

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Lockbox

Our Lockbox services accelerate the collection and processing of customer payments, including checks and cash, reducing manual handling and improving operational efficiency.

Retail Lockbox

Our Retail Lockbox service is ideal for businesses that process a high volume of consumer payments with standardized remittance documents. Perfect for utilities, healthcare providers, and other consumer-facing industries, Retail Lockbox ensures fast, accurate processing and timely deposit of checks. With advanced image capture and data reporting, you’ll gain full visibility into your receivables and enjoy seamless integration with your internal accounting systems.

Wholesale Lockbox

FNBO’s Wholesale Lockbox is tailored for companies receiving lower volumes of high-dollar payments, typically from other businesses. With customizable remittance processing and detailed data capture, our Wholesale Lockbox service is ideal for B2B transactions that often involve non-standardized remittance formats. We provide flexible image and data delivery options, ensuring your accounts receivable team has the information they need to reconcile payments quickly and efficiently.

Why Choose FNBO Lockbox Services?

Faster payment processing and improved cash flow
Secure handling of all customer payments
Reduced internal workload and operational costs
Scalable solutions for businesses of all sizes
Reliable support from a trusted banking partner
Ideal central US location

Learn more about our Lockbox Solutions.

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Terms and Agreements

Treasury Services Agreement (PDF)

Commercial Deposit Agreement (PDF)

A Guide to your Commercial Checking Account (PDF)

Online & Mobile Banking Service Agreement

Regulatory Updates (PDF)

NACHA Regulatory Updates (PDF)

Contact a Commercial Payments Expert

Commercial Payment Insights from FNBO

Frequently Asked Questions

Commercial payments refer to financial transactions made by businesses to pay for goods, services, or other obligations. These payments typically involve larger sums and more complex processing compared to consumer payments. Banks offer various commercial payment solutions to facilitate these transactions, including:

Wire Transfers – Fast, secure electronic payments between businesses, often used for high-value transactions.
Automated Clearing House (ACH) Payments – Electronic payments for payroll, vendor payments, or recurring bills.
Checks – Traditional paper-based payments, though still used by some businesses.
Commercial Credit Cards – Business credit cards used for expenses, vendor payments, and travel.
Electronic Funds Transfers (EFTs) – Digital transfers between bank accounts.
Lockbox Services – A bank service where customer payments are collected and processed for a business.
Treasury and Cash Management Services – Advanced solutions for managing large-scale payments, liquidity, and financial operations.

These payment methods help businesses manage cash flow, settle accounts with suppliers, and streamline financial operations efficiently.

FNBO is able to offer best-in-class treasury services / commercial payments to our customers across the United States. Our team of commercial banking and payment experts office primarily out of our local communities.

Where We Offer Treasury Services:

Colorado:

Boulder, Fort Collins, Greeley, Longmont, Loveland, Windsor

Illinois:

Belvidere, DeKalb, Geneva, Rockford, Yorkville

Kansas:

Overland Park

Nebraska:

Alliance, Beatrice, Chadron, Columbus, David City, Fremont, Grand Island, Kearney, Lincoln, Norfolk, North Platte, Omaha, Scottsbluff

South Dakota:

Mitchell, Woonsocket, Yankton

Texas:

Frisco

Wyoming:

Cheyenne, Laramie

Expand the reach of your business with secure, holistic payment solutions and insights.

What are your day-to-day pain points? Are you managing liquidity for easier access to capital? And have you embraced the efficiencies of accounts payable and receivable automation? By starting with a detailed and in-depth conversation, we can gain insights, find solutions and help your cash management improve the bottom line.

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More Resources

Commercial Payments

Commercial Payment Solutions

Cash Management Solutions for your Business

Treasury Management

Accounts Payable

Accounts Receivable

Fraud Protection

Liquidity Management

Maximize Your Bottom Line.

Information Reporting

Lockbox

Retail Lockbox

Wholesale Lockbox

Terms and Agreements

Contact a Commercial Payments Expert

Commercial Payment Insights from FNBO

Are You Using the Right Payment Solution for Your Business?

Strategic Banking Solutions to Streamline Your Accounts Receivable

Maximizing Earnings Through Smart Liquidity Management

Mitigating Payment Fraud with Treasury Services

Frequently Asked Questions

Where We Offer Treasury Services:

Colorado:

Illinois:

Kansas:

Nebraska:

South Dakota:

Texas:

Wyoming:

Expand the reach of your business with secure, holistic payment solutions and insights.

More than 165 years of putting customers first.

Company

Legal

Commercial Payments

Commercial Payment Solutions

Cash Management Solutions for your Business

Treasury Management

Accounts Payable

Contact a Commercial Payments Expert

Commercial Payment Insights from FNBO

Are You Using the Right Payment Solution for Your Business?

Strategic Banking Solutions to Streamline Your Accounts Receivable

Maximizing Earnings Through Smart Liquidity Management

Mitigating Payment Fraud with Treasury Services

Frequently Asked Questions

What are Commercial Payments?

How do I engage FNBO for my treasury management?

How do commercial payments work?

What are the benefits of using a commercial payments solution?

How can I send a commercial payment securely?

How long do commercial payments take to process?

Can commercial payments be automated?

What is the difference between ACH and wire transfers?

Where do you offer treasury services bankers?

Expand the reach of your business with secure, holistic payment solutions and insights.

More than 165 years of putting customers first.

Company

Legal