First County Bank Cash Management services let you spend more time doing what you do best

Spend less of your time processing deposits, payments, and credit card transactions.

First County Bank Cash Management Services

Looking for a more convenient way to deposit checks? First County Bank offers Remote Deposit Capture, an easy way for business customers to electronically deposit checks from the convenience of their office. All you need is a computer, an internet connection and a check scanning device.

Remote Deposit Capture:

  • Eliminates the need to deliver checks to branches
  • Extends deadlines for making deposits – no need to get to the bank before it closes1
  • May reduce the time to clear deposited items
  • Improves cash flow and working capital
  • Lets you consolidate and centralize deposits from several locations
  • Provides secure, convenient access to accounts, 24/7, with stringent security features and encryption to protect your account information

FREE TRIAL OFFER

Try our Remote Deposit Capture service for free for six months! You don’t have to pay for the service (a $50 per month value) or the cost of the scanner for the first six months of service2. Call the Cash Management Services Department at 203.462.4379 (Mon. – Fri., 8:30 a.m. to 4:30 p.m.) for further details. Terms and conditions apply.


1 Funds from deposits that are approved on a Business Day (Monday through Friday, excluding holidays) by 5:00 p.m., will be available on the Business Day following the day of deposit. Additional terms and limitations apply.2 A $50.00 Remote Deposit Capture monthly fee and any applicable scanning device fees will apply at the end of the six (6) month free trial period unless customer cancels the service. Customer may cancel the service at any time by calling Cash Management Services Department at 203.462.4379 (Mon. - Fri., 8:30 a.m. to 4:30 p.m.) .The free trial period begins on the first full month after initial setup. Refer to the First County Bank Business Deposit Account Schedule of Charges for fee details.

  • Safe and secure
  • Fast and convenient way to collect payments
  • Reimburse vendors/individuals with Direct Deposit
  • Contact the Cash Management Department to learn more
  • Send and receive wire transfers
  • Access control/approval features
  • Create templates for frequent recurring wire recipients
  • Contact the Cash Management Department to learn more

As a business owner, we know how hard it can be to manage the varying tasks of running a business. One of those tasks is overseeing each and every check or ACH transaction throughout the day in an attempt to prevent fraud. You no longer have to worry. First County Bank now offers Positive Pay Services.

To have a fully integrated Positive Pay system, there are three necessary components:

Check Positive Pay

  • Efficient and accessible online monitoring tool for checks posting to your account
  • Exception Options
  • Everyday fraud protection

ACH Positive Pay

  • Efficient management of ACH Rules
  • Allows adjustable filters for ACH debit and credit postings to your account
  • Notification of exceptions

Account Reconciliation

  • Convenient daily account reconciliations
  • Review all checks and postings to your account

For questions on Positive Pay features, bundle pricing, or fraud prevention, please call our Cash Management Services Department Monday through Friday (excluding holidays) from 8:30 a.m. to 4:30 p.m. at (203) 462-4379.

Merchant Deposits – Credit Card Processing

Credit card processing services enable your business to accept credit cards. Debit card processing services enable your business to operate inexpensively. Whether you need web-based, mail order or point of sale processing solutions, we have you covered.1


1 Merchant services are provided through Paragon, which is not owned or operated by First County Bank.

  • Two factor authentication security
  • Unique pin number assigned for additional security
  • Ability to add/remove users and limit access at your convenience
  • RSA SecurID® Token:
    • 24-hour Access
    • Ability to add/remove users and limit access at your convenience

For more information contact the Cash Management Services Department at 203.462.4379 or via email at businessbanking@firstcountybank.com.

  • Connect directly to your accounts
  • Send and receive account information
  • Linkable to Positive Pay Services
  • Contact the Cash Management Department to learn more

Let First County Bank Lockbox Services2 provide you with a dedicated post office box to receive customer payments, offering fast and cost-effective way to manage daily collections. Invoices, checks and correspondence are imaged, processed and balanced according to your instructions.

  • Provides fast access to deposits and reduces collection “float”
  • Frees staff from time-consuming processing tasks
  • Safe and secure
    • Detailed reports via email, fax or hardcopy
    • Check images and data available via secure website or CD
    • All servers backed up and secured by disaster recovery site
  • Increases efficiency
    • Reduce manual entry errors
    • Automated exception control, including stop-file look-ups with online review capability
    • Remittance files can automatically integrate with and update your accounts receivable system
  • Improves cash management with updated deposit and remittance information available throughout the day
  • No set-up fees

We recommend meeting with an experienced First County Bank representative to review your current remittance processing workflow. Our experts will be able to help you determine the necessary components to implement your Lockbox Services.


2 Lockbox services are provided through Lighthouse Payment Services, Inc., which is not owned or operated by First County Bank.

For questions on Cash Management Services, please call our Cash Management Services Department Monday through Friday (excluding holidays) from 8:30 a.m. to 4:30 p.m. at 203-462-4379 or email us cashmgmt@firstcountybank.com.

1 Lockbox services are provided through Lighthouse Payment Services, Inc., which is not owned or operated by First County Bank.