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Online Banking

Treasury Management Services

FNCB Bank's Treasury Management Services is a comprehensive suite of specialized financial solutions designed to empower businesses in Pennsylvania, New York, and New Jersey with efficient cash management and enhanced financial control. ACH services for secure electronic payments, businesses can optimize cash flow and minimize risk. Our Online Banking and Mobile Banking platforms provide real-time access to account information, ensuring informed financial decisions. With the support of our expert team, FNCB Bank's Treasury Services enable businesses to achieve their financial goals confidently and efficiently.

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Treasury Management for PA, NY, & NJ Business Owners

FNCB Bank offers a variety of different financial treasury management services, such as deposit, account management, payment & transfer, fraud/security, receivables, and business solutions for business owners in Pennsylvania, New York, and New Jersey. If you have a question about a solution we offer, please contact our Treasury Sales Officer, Kimberly Cullen, at 570-348-6450, or book an appointment today.

 

Deposit and Account Management Services

At FNCB Bank, we pride ourselves on providing top-notch Deposit and Account Management Services that cater to our customers' diverse financial needs. Committed to excellence, we offer a wide range of account options, including checking, savings, and certificates of deposit, tailored to suit individual preferences and long-term goals. As your trusted financial partner, we prioritize security, transparency, and personalized assistance, empowering you to make informed decisions for your financial success. Whether you're an individual seeking reliable banking experience or a business looking for streamlined cash management solutions, FNCB Bank is here to support your financial aspirations every step of the way.

Remote Deposit Capture

Make same-day, secure deposits without leaving the office.

Business Online Banking

Provides access to all accounts and manages finances conveniently and securely.

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Zero Balance Account (ZBA) and Sweep Services

Maintains a zero balance by automatically transferring funds from a master checking account to a subaccount.

Insured Cash Sweep Account (ICS)

Secure your large deposits with FNCB Bank's partnership with IntraFi Network. Our Insured Cash Sweep Account (ICS) and CDARS services allow deposits larger than $250,000 to be FDIC-insured. Funds are divided and placed in deposit accounts at other network banks, ensuring both principal and interest are eligible for FDIC insurance. Enjoy safety, returns, and the convenience of working with one bank. Plus, your deposits can support local community lending. With multiple liquidity options and a range of maturities, our services offer flexibility and control. Trust FNCB Bank's IntraFi services for secure, efficient management of your large deposits.

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Looking for more information on deposit and account management solutions? Please contact our Treasury Sales Officer, Kimberly Cullen, at 570-348-6450, or book an appointment today.

BOOK AN APPOINTMENT 

 

Payment and Transfer Services

Our Payment and Transfer Treasury Services cater to various needs, from regular payments to domestic and international fund transfers. Accessible through our intuitive digital banking platform, these services provide the flexibility to manage your finances from anywhere, anytime. Rest assured; your transactions are protected by stringent security protocols, ensuring the safety of your information and funds. Our team of professionals is always on hand to offer personalized support, guaranteeing precision and efficiency in meeting your payment and transfer requirements. At FNCB Bank, we aim to streamline your banking experience, empowering you to pursue your financial objectives confidently.

ACH Origination

ACH Origination is a simple and low-cost way to move money quickly. You can pay vendors and employees or collect recurring receivables such as membership fees, utility payments, etc. Same-day availability, secure and cost-effective. Works great for re-occurring billing.

Wire Services

Send and receive domestic and international wires. Eligibility requirements apply.

Visa® Business Purchasing Card (PCard)

Offers additional functionality and reporting to manage business payables and earn a cash rebate effectively.

Provides access to all accounts and manages finances conveniently and securely.

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Business Online Banking

Provides access to all accounts and manages finances conveniently and securely.

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Looking for more information on payment and transfer solutions? Please contact our Treasury Sales Officer, Kimberly Cullen, at 570-348-6450, or book an appointment today.

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Fraud Prevention and Security Services

We provide robust solutions designed to detect and prevent unauthorized transactions, ensuring the utmost security of your funds. Our services, such as ACH and Check Positive Pay, employ automated tools to identify discrepancies before final payment, offering you peace of mind. Additionally, our Safepoint by Loomis service helps eliminate manual cash handling, further enhancing the security of your business operations. Trust in FNCB Bank to provide the secure banking experience you need in an ever-evolving financial landscape.

ACH and Check Positive Pay

ACH Positive Pay and Check Positive Pay are automated fraud detection tools that identify unauthorized transactions before final payment. This service compares each check or ACH presented for payment against your check/ACH issue file. You can view all images of checks or ACH before deciding which items to pay or return, monitor daily incoming clearings, and return fraudulent items.

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Safepoint by Loomis

Allows businesses to remove manual cash handling from their day-to-day business operations.

Business Online Banking

Provides access to all accounts and manages finances conveniently and securely.

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Looking for more information on fraud prevention and security solutions? Please contact our Treasury Sales Officer, Kimberly Cullen, at 570-348-6450, or book an appointment today.

BOOK AN APPOINTMENT 

 

Receivables Management Services

At FNCB Bank, we welcome you to explore our Receivables Management Treasury Services. We understand the importance of efficient receivables management for maintaining healthy cash flow, and we've designed our services to support this. With our Lockbox Services, we use state-of-the-art infrastructure to speed up your payment processing and information delivery. Our ACH Origination service provides a simple, cost-effective method for collecting recurring receivables, further boosting your financial efficiency. Choose FNCB Bank to streamline your receivables management and ensure your business operates at peak financial performance.

Lockbox Services

Experience the future of financial management with FNCB's RemitStream Lockbox, a revolutionary solution that supercharges your accounts receivable processing and payment delivery. This comprehensive service is designed to transform your business operations by streamlining the collection, processing, and deposit of high-value check payments directly into your chosen bank accounts.

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ACH Origination

A simple and low-cost way to move money quickly, pay vendors and employees, or collect recurring receivables.

Looking for more information on payment receivables solutions? Please contact our Treasury Sales Officer, Kimberly Cullen, at 570-348-6450, or book an appointment today.

BOOK AN APPOINTMENT 

 

Business Solutions

Discover the power of seamless integration with FNCB Bank's Business Solutions. We've crafted a suite of services that simplify your financial management and empower your business growth. With Autobooks, we offer an all-in-one platform for digital invoicing, payment acceptance, accounting, and reporting. This easy-to-use solution keeps you on top of your business, ensuring you never miss a beat. Choose FNCB Bank's Business Solutions and experience the transformation in how you manage and grow your business. Let us be your partner in success.

Autobooks

Experience seamless business finance management with Autobooks, offered by FNCB Bank. This all-in-one solution simplifies digital invoicing, payment acceptance, accounting, and reporting. Accept online payments, create professional digital invoices, and share your secure payment link across various platforms. With Autobooks, customer payments go directly into your business checking account, and you can easily track transactions and payments. Try Autobooks today through your FNCB Bank online and mobile banking for a streamlined business finance experience.

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Business Online Banking

Provides access to all accounts and manages finances conveniently and securely.

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Looking for more information on Business Treasury Management Solutions? Please contact our Treasury Sales Officer, Kimberly Cullen, at 570-348-6450, or book an appointment today.

BOOK AN APPOINTMENT 

 

Treasury Services FAQ

What is Treasury Management?

Treasury Management refers to a suite of services provided to businesses to help them manage their day-to-day cash flow, liquidity, and financial risk. These services are designed to streamline and automate processes, improve cash flow, and manage financial assets and liabilities effectively.

Services Offered:

  • Cash Management: This includes services like automated clearing house (ACH) transactions, wire transfers, remote deposit capture, and lockbox services.
  • Liquidity Management: Services such as sweep accounts, zero balance accounts (ZBAs), and lines of credit ensure businesses can access cash when needed.
  • Risk Management: This includes services like fraud detection and prevention and secure transactions.
    Investment Services

What are the benefits of Treasury Management?

  • Efficiency:  Treasury management services can automate many financial processes, reducing manual work and the chance of errors.
  • Cash Flow Optimization:  These services help businesses manage their cash flow effectively, ensuring they have enough cash to meet their obligations while maximizing the use of any excess cash.
  • Risk Mitigation:  Treasury management services can help protect businesses from financial risks such as fraud, currency fluctuations, and changes in interest rates.
  • Strategic Decision-Making:  The financial reporting provided in treasury management services can provide valuable insights for strategic decision-making.

Kimberly Cullen - new

Kimberly Cullen

Assistant Vice President

Treasury Sales Officer

570-348-6450

 

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Our Mission: To make your banking experience simple better.

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