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Treasury Management & Services

Our philosophy: Building a relationship you value that also creates value for you.

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Treasury Management and Services with Innovative Solutions.

Treasury management is 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.

Man working on accounts payables in home office

Accounts Payables

Accounts payables 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.
  • Payables Automation: Let signing stacks of checks and tracking down payments be a thing of the past.
  • PayMaker: Connect your business to new world of payment innovation.
  • Commercial Card: Customized card solutions to support your payment needs.
Man in home office on phone talking about accounts receivables

Accounts Receivables

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 receivables solutions that allow you to focus on your business and not your receivables.

  • PayMaker: Connect your business to new world of payment innovation.
  • Lockbox: We’ll collect payments and have them transported directly to the bank.
  • Remote Deposit Capture: Deposit checks to your account wherever you are.
  • ACH Receivables: Receive payments electronically and reduce expenses.
Woman on home laptop registering for fraud protection

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.
  • Dual control. All financial transactions require the approval of two business stakeholders before they are released by FNBO.
Businessman figuring out his liquidity

Liquidity Management & Information Reporting

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. With informative reporting that allows daily management of your activity and cash concentrations, you can stay on top of your short term balances and reward yourself with competitive rates and enhanced investment opportunities.

  • Sweeps and Insured Cash Sweeps
  • Money Market Accounts
  • Certificates of Deposit
  • Capital Markets
Man working on reporting

Terms and Agreements

Notice: Treasury Service Agreement and NACHA Rules Updates 2020: There have been updates made to the Treasury Service Agreement and the NACHA Rules for 2020. See Regulatory and NACHA Regulatory Updates documents below. Should you have any questions, please feel free to call our Corporate Treasury Services Department at 402-602-2600 or 866-461-1467.

Treasury Services Agreement (PDF)

Commercial Deposit Agreement (PDF)

A Guide to your Commercial Checking Account (PDF)

Online & Mobile Banking Service Agreement (PDF)

Regulatory Updates (PDF)

NACHA Regulatory Updates (PDF)

Tailored Treasury Management Solutions

Global Banking

Our goal is to be an extension of your business with a consultative approach so you can navigate international markets with confidence.

Commercial Card

Maximize working capital and improve efficiencies by incorporating a commercial card in your payments process.

Accounts Payable Automation

FNBO payment automation solutions can scale to the needs of your business and automate tasks to save you both time and money.

Payment Systems

Secure your income stream with safe, flexible card processing options.

Contact a Treasury Management Banker