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CASH MANAGEMENT

Remote Deposit Capture

FWBank’s RemoteConnect service allows you to make bank deposits** directly from your office.

Using RemoteConnect, you can scan and submit check deposits** securely over the internet to FWBank. We receive your deposit electronically and process the checks just as if you stopped by the bank.  The results will be faster deposits, more efficient collections, and tremendous convenience for you and your business.

Key Advantages of RemoteConnect

  • Extended Deposit Deadlines: Take up until 6:00 pm to make your deposits for same-day credit.

  • Time Savings:With RemoteConnect you will not have to drive to the bank and you will spend less time making your daily deposit.

  • Consolidate Deposits: Local, Regional, or Nationwide. Deposit your checks** from anywhere.

 

RemoteConnect Features Include:

  • Check scanner available from FWBank.

  • FREE Training Provided by FWBank Customized to your business.

  • CAR (Courtesy Amount Recognition) reads the amounts written on the checks and encodes them for processing-minimal keying of amounts on your end.

  • 24/7 - Deposits can be made 24 hours a day, 7 days a week at your convenience.*

  • Image Storage - Checks are imaged front and back for easy access at a later time.

  • Security - Secure, encrypted image file transmission.  

 

* Deposits made after 6:00 pm will be credited to your account on the following business day.
** Excludes checks drawn on financial institutions located outside of the United States, third party checks, remotely created checks, and substitute checks.

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Merchant Processing

Customized credit card processing with lower fees & a high level of service!

First Westroads has teamed with PowerPay to provide credit card processing and electronic payment services backed by a commitment to service that is setting new standards in the payment processing industry.

Lower Fees. Our customers benefit from some of the best pricing in the industry, all with no hidden fees and no long-term contracts. Our Payment Processing Review will show you how to lower your credit card processing fees, too.

Better Service. Our innovation, individualized attention, and responsiveness are setting new standards in the payment industry.

Real Easy. Our simple application, fast, flexible approvals, and quick installations make it quick and easy to take advantage
of these money saving offers and best-in-class service.

PowerPay enables businesses of all types and sizes to accept:

  • All major credit cards including MasterCard, Visa, American Express and Discover;
  • Debit cards with either signature or PIN based approval processes;
  • Electronic Benefits Transfer (EBT) for direct payment cards issued by federal or state governments;
  • Purchasing cards for corporate or government organizations
  • Gift cards that replace cumbersome paper-based gift certificates.

 

Positive Pay

Positive Pay can help reduce fraud by identifying unauthorized check transactions before final payment is made.

Positive Pay is a comprehensive solution for managing daily check transactions and clearings. A daily customer file import compares information with files of transactions posted to the customers’ accounts. Exceptions such as duplicate transactions, amount discrepancies and check number mismatches are identified automatically. Positive Pay offers a versatile solution for preventing fraudulent activity.

The system does not prevent transactions from taking place, but simply provides information to the bank. Decisions on exception items are made by the customer through the user interface within BusinessConnect Internet Banking.

 

Positive Pay Features Include:

  • Real-time integration: The solution is streamlined between customer accounts and the bank’s clearings.

  • Automated exception handling: Each transaction submitted through Positive Pay is sent for authorization. Exceptions are handled directly through BusinessConnect Internet Banking and FWBank’s Operations Department.

  • Upfront fraud prevention: Authorized customer’s employees are empowered to resolve exception items, mitigating potential fraud losses.

  • Easy file import: Streamlined customer process of importing Positive Pay files containing issued, void or stop-pay transactions via BusinessConnect Internet Banking.

Automated Clearing House (ACH)

FWBank makes electronic payments and deposits easy for you to conduct and manage.

ACH Manager allows you to create electronic payments and deposits with approval and an ACH Origination Agreement. As part of your online Cash Management, you can originate ACH transactions when and where you want, safely and quickly. It's the cost-effective way to handle routine transactions.

ACH is used for a wide variety of payments and deposits:

  • Deposit of payroll
  • Payments to vendors
  • Payments from customers

And, they are completely safe and secure!

Wire Transfer

Sending payments on tight deadlines becomes fast and easy.

  • Transfer Funds to accounts at other financial institutions
  • Full confirmation of sending and delivery of funds
  • Meet tight deadlines
  • Safe and Secure 

Lockbox

FWBank Lockbox service takes the burden of receiving and processing payments off you and allows you to focus on other pieces of your business.

Lockbox Key Benefits Include:

  • Bank deposit preparation
  • Elimination of daily trips to the bank and possibly the post office
  • Increase security by decreasing the opportunity for fraud
  • All original documents are returned to you

Best of all, with same-day processing your money goes to work for you sooner!

Mobile Courier Pick-up Service

FWBank’s MobileConnect provides convenient pick-up service at your office.

Key Advantages of MobileConnect  

  • Convenience - no more time wasted driving to and from the bank!
  • 100% Bonded and Insured
  • Pick-ups scheduled daily, weekly, or monthly
  • Couriers pick up check deposits, loan documents and new account applications
  • Couriers also deliver deposit receipts and other bank documents
  • Free locking courier bags ensure security