Cash Management Services

Lockbox

We recognize that no two clients are alike and offer a customizable Lockbox service to meet the unique needs of your company. The benefits of utilizing our Lockbox service are:

• Deposits are made daily
• Save time by eliminating trips to the bank or PO Box
• Save money by reducing mail float
• Saves in house processing time and cost
• Ease of transition — Use your existing PO Box or the Bank's
• Security — reduces the chance of office fraud
• Fees are analyzed and can be offset by account balance
• Convenient delivery of totals, receipts, correspondence, etc. We customize our service for you!

If you would like to see the process, we welcome you to tour our Lockbox facility in Downtown St. Louis. Call Account Services today for more information!

Merchant Services

Rapid growth in the use of electronic payments by today's consumers and businesses has led F.C.B. to offer our customers a full range of online payment solutions. Through our partnerships with reputable local providers, we are able to provide the services, tools and support necessary to ensure fast, smooth, convenient and secure electronic payment services to fit the needs of your business. Our payment solutions include:

• Signature and PIN debit cards
• Check Guarantee
• EBT (Electronic Benefit Transfer)
• E-Commerce solutions
• Payment equipment sales and leasing
• Online management tools and reporting

Find out how together we can ensure that you have the best electronic payment solutions available to meet the needs of your business and your customers. Call your private banker today for more information.

Online Cash Management

Our state of the art cash management website is accessible from any computer and provides the following time saving services:

• Internal Transfers — Transfer between accounts
• ACH Origination — Originate ACH credits and/or debits for Payroll or other business needs
• Wire Transfers — One time or repetitive outgoing wires, at ½ the cost of calling or faxing in wire instructions
• Tax Payments
• Stop Payments
• Delegate users / authorities- Account Service will set up and make all changes
• Activity Reports — Report on all user activity
• eAlert — Set up an email alert when balances reach specified levels
• Account Maintenance — Nickname accounts for ease of use and Account Services will set up
• Balance Reporting — Import account activity to Quickbooks or other accounting software for reconciliation

Note: Choose Company A to explore all of our online Cash Management features.
Please note however that the Account Reconciliation feature is currently not available.
For more information, or to open an account, please contact Account Services.

Positive Pay

Combat fraud by utilizing our positive pay system. In its simplest form, Positive Pay is a service that matches the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by you. All three components of the check must match exactly or it will not automatically clear.

Simply send us a file of the checks you've issued and we will compare all checks that are presented. We will then notify you of any discrepancies, and prevent the hassle and expense caused by check fraud.

For more information, or to open an account, please contact Account Services.

Remote Deposit Capture

The Remote Deposit Capture system will enable you to send deposits directly to the bank securely through a high speed Internet connection. We will install a scanner along with new software on your computer and you will immediately be able to make deposits without the hassle of visiting the bank. This system will provide you with speed, accuracy, convenience, and faster access to funds. The monthly fee for this service can be included in your account analysis. There are no per item fees.

• Saves Time – Reduce trips to the bank and time spent keying in deposit amounts and running tapes. Eliminates need to mail in deposits.
• Saves Money - Cut down on fuel costs and/or courier fees by eliminating trips to the bank.
• Makes Money - No more waiting for time to go to the bank. Make your deposits as soon as funds are received. The sooner the deposits are made, the sooner interest is earned.
• Convenient - Make your deposits on your own time from the comfort of your own office.
• Simple - Simple to use software. An Account Services staff (link to contact page for account services) is available to help you with any questions.
• Accurate – Reduces errors

For more information, or to open an account, please

Contact Account Services

Zero Balance Account

A Zero Balance Account is a checking account in which a balance of zero is maintained by automatically transferring funds to and from a master account in an amount only large enough to cover checks presented. This structure is ideal for your payroll or because it allows you to eliminate excess balances in separate accounts and maintain greater control over your disbursements. There is no fee for this service.

Call Account Services today for more information.