FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Business Banking
Let's Do Business.
Your Relationship Banking Resource
From services that simplify and streamline your day-to-day operations, to products that help strengthen and expand your business over the long term, we at FNBE stand ready to meet your business banking needs. Plus, we have money to lend and can save you money on fees.
Powerful Business Online Product
A signature program to fully and effectively manage every aspect of your business's finances.
At FNBE, we guide you through the complex world of banking products and services.
Exclusive Business Services
Designed to maximize your financial freedom.
- Merchant Services
- Online Banking
- VISA® Debit Card
- Cash Management Services
- Remote Deposit Capture (subject to approval)
Flexible business Loans and Credit
Our Commercial Lending Team has the expertise to guide your business to greater levels of success and growth.
- Commercial Mortgages
- Lines of Credit
- Term Loans
Free Business Checking
Ideal for small business or start ups
- No minimum balance
- No monthly service charge
- Instant Issue Visa Check Card
- Unlimited deposits
- Unlimited check writing
Non-Profit Organizations Checking
- No minimum balance
- No monthly service charge
- Instant Issue Visa Check Card
- Unlimited deposits
- Unlimited check writing
Business NOW Interest Checking
- Min dep to open: $1,000
- Min balance to earn interest: $1000
- Monthly service charge : $10 if below daily balance of $1000
- Unlimited deposits
- Unlimited check writing
Business Money Market
- Min dep to open: $1,000
- Min balance to earn interest: $1000
- Tiered Interest Rates
- Monthly service charge: $10 if below daily balance $1000
- Unlimited deposits
- Unlimited check writing
Online Business Banking
Access Your Money, Your Way.
Online Cash Management
It's your account, your cash. So we at FNBE think you should be able to access it and work with it beyond our business hours. With our ultra-flexible online services, your business's cash position will be stronger than ever.
You have the power to:
- Transfer funds between accounts
- Place stoppayments on checks
- Initiate Automated Clearing House (ACH) services (subject to approval)
- Pay employees online through direct deposit (subject to approval)
- Pay bills and vendors without writing checks
- Set up monthly bills for automatic payments
- Review and reconcile account balances without waiting for a bank statement
- Export transaction files to compatible accounting programs including QuickBooks, Quicken, Money, or a comma-delimited (CSV) file format
- Enhanced multi-level security to guard the privacy of information and transactions
- Optimize and manage cash flow 24 hours a day, 365 days a year
Business Mobile Banking
(Subject to approval)
Our secure business mobile banking app already comes with your account … for FREE. Get instant account access! Search The FNB of Elmer and download the app from the Apple App Store, Android App on Google Play or Amazon on Kindle fire.
Note that standard rates and fees from your wireless carrier may apply.
See how it will make your life easier…
- Quickly keep tabs on your business expenses whenever you want, wherever you are.
- Take care of bills, transfers and more with just a few simple taps.
- Monitor your account activity so you’re always in-the-know.
Your phone is always within reach…now so are your business finances.
NOTE: With Business Mobile Banking, the “Terms & Conditions” of Online Banking apply.
Mobile Deposit for Business
Forget running to the bank to deposit checks!
With Mobile Deposit for Business, a feature of The First National Bank of Elmer’s Business Mobile Banking App, you carry the bank with you.
It’s as easy as endorsing *, taking pictures of the front and back of the check, verifying the amount of the check, and submitting for verification.
* Items presented for Mobile Deposits must be endorsed “for mobile deposit only”.
Mobile Deposit – Frequently Asked Questions
What is Mobile Deposit?
Once approved, Mobile Deposit allows you to use The First National Bank of Elmer Mobile Banking App together with the camera on your supported iPhone or Android mobile device or tablet to capture check images and electronically transmit them to us for deposit into your eligible checking, savings, or money market account.
Who is eligible to use Mobile Deposit?
To use Mobile Deposit, you must be an active online banking customer and be enrolled in Mobile Banking. You will need the most recent version of our Mobile Banking App installed on your supported mobile device and a checking, savings, or money market account that is in good standing. Mobile Deposit for Business is subject to approval.
How do I enroll in Mobile Deposit?
If you have the most recent version of our Mobile Banking App installed on your supported mobile device, when you login, “Mobile Deposit” will be an option listed at the bottom of the screen. Simply select this option and you will have access to the service.
How do I access Mobile Deposit?
Everything you need to be able to use Mobile Deposit is conveniently located within our Mobile Banking App.
- Login to The First National Bank of Elmer Mobile Banking App.
- Endorse the back of the check with your signature and write “For Mobile Deposit Only” below your signature.
- Select “Deposit” from the menu
- Select “Deposit Into”
- Select the account into which you wish to deposit the funds
- Select “Check Amount” and enter the deposit amount of the check
- Select “Take Photos”
- You will be prompted to take a picture of the front and back of the check.
- After each image is taken, select “Use Photo” to send the image. If the image does not meet certain real-time quality reviews, you may be prompted to retake the photo. Some examples may include a blurry image, corners of the check not being visible, poor lighting, missing endorsement, amount detected does not match the amount keyed, improper camera angle, etc.
- The images are validated to ensure image quality and to validate that the back of the check has been properly endorsed.
- Verify the information and select “Make Deposit” to confirm the deposit.
- If the deposit passes the preliminary image tests, the deposit will show as “Pending”. If the deposit has not been accepted, you will receive an e-mail at the e-mail address the bank has on file for your online banking account with an explanation of why the check was rejected.
- A confirmation will be sent via email to the email address the bank has on file for your online banking account once the deposit has been accepted.
Are there limits on how much I can deposit?
Currently, the daily Mobile Deposit limit is $10,000.00 per check and $25,000.00 per day. Each check is considered a separate deposit. There is no limit to the number of checks you can deposit in a day. Limits may vary and are subject to change.
What items can be deposited?
Mobile Deposit can be used to deposit most checks payable in U.S. dollars and drawn on a U.S. bank, including but not limited to personal, business, and government checks. Mobile Deposit may only be used to deposit original items (checks) that are payable to the name of the account holder.
The following items are prohibited:
- Checks or items payable to any person or entity other than you.
- Checks or items payable to you and/or another party, unless deposited into an account in the name of all payees.
- Checks or items containing alteration to any of the fields on the front of the check (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.
- Checks or items previously converted to a substitute check, as defined by Regulation CC.
- Checks or items drawn on a financial institution located outside the United States or not payable in United States currency.
- Checks or items that are remotely created checks as defined in Regulation CC.
- Money Orders, Savings Bonds, or Traveler’s Checks.
- Checks that are not dated, dated more than six (6) months prior to the date of deposit,
postdated checks, or not signed by the maker. - Checks payable on sight or payable through drafts, as defined by Regulation CC.
- Checks that are irregular in any way (e.g., where the numerical and written amounts are not the same).
- Checks that have previously been presented for payment, either in person or electronically.
- Checks that exceed the deposit limits we establish for the Mobile Deposit service.
- Voided checks.
- Checks that are otherwise not acceptable to The First National Bank of Elmer under the terms of your designated deposit account.
- Checks with any endorsement on the back other than that specified in the Mobile Deposit Terms and Conditions.
Do I need to endorse the back of my check before I take the picture?
Before making a deposit, you must endorse the back of the check as “For Mobile Deposit Only” along with your signature.
Do you have suggestions for taking good photos?
Photograph the check in a well-lit area. Lay the check on a flat surface and remove all other objects from view. Position your camera directly above the check and make sure all four corners of the check are visible within the frame. If you are unable to get a clear image of the check, please bring it to your nearest branch for processing.
When will I see the deposit in my account?
Mobile Deposit can be utilized 24 hours a day, seven days a week, except when our system is unavailable due to needed maintenance or system outages. Deposit information captured, submitted, and accepted on a business day prior to 3:30 pm EST will be considered for deposit on the same day. Deposits captured after 3:30 pm EST, or on a Saturday, Sunday, or federal holiday, may be considered for deposit on the next business day. We will make funds available for checks received, accepted, and successfully processed through Mobile Deposit as follows:
- $225.00 will be available on the first business day after the day of the deposit.
- The remainder will be available on the second business day after the day of the deposit.
What do I do if I’ve endorsed the item with “For Mobile Deposit Only” and the deposit will not process?
If your deposit cannot be successfully completed, please take the check to your local branch and let them know you were not able to deposit the item through Mobile Deposit. They will be happy to assist you.
What do I do with the check after it has been deposited?
Securely store the original check for at least 30 days after you have transmitted the image. Do not bring the check into the bank after you have successfully submitted the deposit unless it has been requested by the bank for verification purposes. By using Mobile Deposit, you agree that you will never re-present the original check.
How will I know if there is a problem with my mobile deposit?
There are several ways you may be notified if there is a problem with your mobile deposit. You may be alerted on your device after you hit submit. The message you receive will describe the problem. You may also be alerted via email or phone if an issue has been detected prior to the deposit being credited to your account.
If you have additional questions, please contact your local branch for assistance or call us at (856) 358-7000.
Cash Management Features
(Subject to approval)
Remote Deposit Capture
Save time and deposit your checks from wherever you are! Scan and deposit checks easily and quickly in just a few short steps, right from the convenience of your own office. With Remote Deposit Capture from The First National Bank of Elmer, you will be able to:
- Streamline check processing
- Improve productivity
- Save time by scanning and depositing checks from your office
- Deposit an unlimited number of checks
- Mitigate check fraud
- Transmit checks securely
Business owners benefit from faster availability of their funds. Call us today to see if Remote Deposit Capture makes sense for your business!
(1) Remote Deposit Capture is subject to approval. Deposit limits and other restrictions may apply.
(2) A deposit made after our daily cutoff time on a business day, or on a non-business day, will be considered deposited on the next business day.
(3) Funds may not be available for immediate withdrawal.
Business ACH Origination
If you’re a small business owner, ACH - or Automated Clearing House - is probably something you’ve heard of. But how do you know if it’s right for your business? And what are the benefits of getting ACH services in the first place?
With approved cash management services FNBE provides ACH origination is a fast and efficient way to get money into your bank account.
Businesses also use it to pay suppliers, vendors, and other companies securely and conveniently.
Business Wire Origination
With approved cash management services FNBE makes it easy for our small business customers to send secure wire transfers online - to virtually any bank account in the U.S.
Wire transfers are among the fastest and most reliable ways to move money.
Positive Pay
Check Fraud and Unauthorized ACH transactions.
Positive Pay is a fraud prevention service designed to safeguard your business from unauthorized ACH entries, altered checks, and check fraud. Knowing that your checks and inbound ACH entries are actively monitored in your accounts gives you greater control and visibility over payments that are cleared, helping to prevent fraud disruptions. It’s an effective way to minimize fraud risks, prevent unauthorized transactions, and maintain control over your payments. We’re here to help secure your business so you can focus on what matters most! Ready to learn more about how Positive Pay can help protect your business?
Key Features of Positive Pay
How does ACH Positive Pay Work?
- Set Controls: You specify the approved vendors and associated Company ID and option to set maximum dollar limits.
- Monitor Transactions
- Decision Time: Receive alerts for transactions not meeting your requirements and decide how to process with these payments.
ACH Benefits
- Control and Visibility: Ensuring only authorized transactions are clear.
- Prevent Fraud: Alerts allow for a swift response to unauthorized transactions.
- Enhance Efficiency: Set Parameters that handle routine transactions from authorized vendors and flagging unauthorized transactions.
How does Check Positive Pay Work?
- Submit Check Details: Provide details on checks issued, including payee name, check number, a date issued.
- Automated Matching: Each check detail is verified against check issuance list.
- Alerts and decisions: Receive prompt alerts for discrepancies, allowing time to determine how to proceed with the check.
Check Benefits
- Mitigate Fraud Risk: Quickly catch and return altered or counterfeit checks.
- Control payments: Greater control over check payments to prevent unauthorized transactions.
- Financial Integrity: Maintain transactions and records.
Visa Check Card
We offer Visa Check Cards for both personal and business customers.
Faster than writing a check ■ Freedom to use wherever you see the Visa logo ■ Debited directly from your primary checking account ■ Use as an ATM card for cash advances ■ Transfer money between accounts ■ Accepted at millions of locations
Important Notice - Please Read: The First National Bank of Elmer Visa Debit cardholders will be able to make ATM withdrawals up to $500 per day and Point of Sale (POS) transactions up to $3,000 per day.
Partnership with Allpoint
Providing Fee-Free ATM Access
No matter your location, close to home in Southern New Jersey, or traveling across county, you can locate an Allpoint ATM and have the freedom of access to your money with no ATM fees. We are dedicated to provide simplified banking, and our partnership with Allpoint guarantees that hassle free experience.
The First National Bank of Elmer has partnered with Allpoint to ensure you can access your funds without ATM fees. Allpoint is a network that provides over 55,000 fee-free ATMs worldwide, and as our customer, you have access to this wide network. Through Allpoint, access to your money is made easy and without unnecessary charges.
IMPORTANT NOTICE
At The First National Bank of Elmer we value our customers. We know that many of our customers appreciate the convenience and flexibility of using a Debit Card when making purchases. We are also taking steps to implement additional security to protect our customers and the Bank from debit card fraud. If a signature required transaction is attempted and meets the restricted threshold limits that are set, your transaction will be denied.
An automated notification attempt will be made to contact our cardholders at each of the numbers provided to us (up to 3 phone numbers). The automated notification makes 2 attempts to each number in 2 hour increments, each day for 2 days, between the hours of 8:00 AM and 9:00 PM EST. The automated notification will leave only 1 message and 1 contact number. When the automated notification contacts the cardholder, the cardholder verifies recent activity, accepts or refused the transaction or opts to speak with an analyst. You as a cardholder will be asked to verify your zip code that is on file.
It's IMPORTANT that the Bank maintain current and accurate cardholder records. The Bank must have a valid primary phone number (example: mobile/cell phone) to contact our cardholders for verification of a transaction denied. You can provide up to 3 phone numbers. Should we need to contact you via letter, we need an updated and current address.
If you do not know or remember your PIN number, please contact us to have a PIN Mailer generated and mailed to you. Please note that it is IMPORTANT, to protect your account, your PIN should never be given to anyone and should not be written on your card or kept with your card.
Please contact us at (856) 358-7000 to verify or update your contact information that is on file, or stop in to any of our six locations and speak with a Bank representative regarding your account.
Get Started
Give Us a Call
(856) 358-7000