For business customers, a real-time, online banking solution. With security, flexibility and in-depth access to accounts, business customers can take unlimited advantage of the bank's imaging capabilities as well as initiate ACH transactions, submit EFTPS payments, transfer funds, process payroll, place stop payments and more.

Some of the Treasury Management products offered by First Independent Bank are:

Online Banking
Gain access to your accounts 24/7. Online banking allows you and selected employees to:

• Review balance information and reconcile accounts.
• Pay bills.
• Move funds between accounts.
• Concentrate and disburse funds via ACH.
• Initiate wire transfers and stop payments.
• View images of your checks online.

Contact us to learn about all the ways Online banking will benefit your business.

Positive Pay
Positive Pay safeguards your company against check fraud by comparing check issued information to checks presented for payment. As checks are presented to First Independent Bank they are matched by serial number and amount to your records. We will report any discrepancies and pay or return those items based on your instruction.

Zero Balance Accounts (ZBAs) and Target Balance Accounts (TBAs)
Eliminate the need to manually fund disbursement accounts with multiple transfers, and still keep track of different types of payments such as payroll, dividends, and accounts payable:

• Disbursement accounts are linked to your main account.
• A debit or credit balance accumulates in the ZBA or TBA on a daily basis as checks and deposits are presented through normal banking channels.
• At the close of business, a single debit or credit entry is made to the ZBA or TBA bringing each ZBA to zero or each TBA to the target balance.

ACH Collections and Disbursements
First Independent Bank Automated Clearing House (ACH) Collection is an efficient and cost effective method of collecting your company’s receivables and is ideal for recurring payments such as membership dues, lease or loan payments, utility payments or charitable contributions.

ACH disbursement quickly and conveniently disburses your company’s payments electronically using the ACH system. ACH disbursement is ideal for payroll and a variety of other kinds of payments such as dividends, interest, expense reimbursement, insurance claims and vendors.

e-Deposit Remote Capture
Make deposits electronically 24/7 from the convenience of your office with e-Deposit remote capture. Utilizing a desktop scanner connected to your PC and the Internet; scan your checks then transmit data and check images electronically to First Independent Bank for deposit.

CD-ROM Check Imaging
CD-ROM Check Imaging is useful for companies with multiple accounts and high check volumes because it stores front and back images of all canceled checks on a CD-ROM.

Wire Transfers
Initiate quick and easy domestic and international transfers through First Independent Bank Online banking and maximize the use of your funds for investment or debt pay–down purposes.

Account Analysis
Account Analysis statements are prepared monthly for your business or commercial checking accounts and detail account activity, average balance and services for your total deposit relationship. At a glance, you can review your total deposit relationship and use this information to make the right treasury management decisions:

• Monthly statements are provided (upon request) for each individual account as well as a composite statement summarizing activity in all accounts.
• An earnings credit allowance is calculated monthly and used to offset activity fees.
• The analysis statement will provide details of all services utilized during the month including Treasury Management Services.

Company Employee Direct Deposit Package
Direct deposit is a cost effective and efficient way to handle payroll for employees and managers. As a First Independent Bank client, your employees can benefit from a direct deposit program that carries an excellent package of benefits. We will supply a packet of information for you to present to your current and new employees as a “benefit of employment.” First Independent Bank will assist you in every way possible to ensure your employee’s account opening process is simple.

Merchant Services
First Independent Bank offers a variety of solutions for businesses that accept credit and debit cards. For additional information, please contact your Business Relationship Officer at 828-2000 in Reno/Sparks and 423-9586 in Fallon or send us an email.