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Business Banking

Business Cash Management:
The complete online banking package

  • View balances and daily activity associated with multiple accounts
  • Perform transfers between accounts
  • Pay bills electronically
  • Create “Stop Payment” orders
  • Activate research/photocopy requests
  • Initiate electronic tax payments or payroll via ACH
  • Set up “Sweep” services between accounts
  • Designate and control which of your employees may access financial information, and to what degree they may perform banking functions
  • Set up balance email alerts
  • Create, save and run reports


Small Business Checking:
A business checking account designed to be FREE of
monthly service fees as long
as a low $1000 minimum balance is maintained and no more
than 200 items are processed each month.

Commercial Checking:
Intended for use by larger type businesses that
maintain higher balances, and normally require more than
200 items to be processed each month. 
Account receives earnings credits based on available
balances for use in offsetting any  monthly service fees
accumulated during the month.

Business Money Market Account:
An account to “park” funds not currently
required within the business’s cash cycle. 
Premium rates of interest are paid on balances in this account. 
Account is subject to access limitations imposed by federal regulation.


Business Savings Account:
Another account option to house funds not currently
required within the business cash cycle. 
Interest is paid on all balances maintained in the account. 
Account is subject to access limitations imposed by federal regulation.

Master Escrow Accounting:
Designed exclusively for attorneys, realtors, property
management companies, title companies, and any other
business whose responsibility it is to maintain escrow
deposits for their clients.  The account simplifies accounting
procedures and decreases paperwork associated with escrow administration.

The “Interest on Lawyers Trust Account” is a mandatory program
designed for attorneys who handle their client’s funds.

Credit Card Merchant Accounts:
For those businesses that require the ability to accept
credit card payments in exchange for their product or services. 
The First National Bank of Absecon offers credit card acceptance,
wireless terminals, electronic check acceptance (ECA), E-Merchant view, 
gift card programs and seasonal programs, all at very competitive rates

Certificates of Deposit:

Terms available from 30 days to 60 months.

Business and Commercial Loan Products:

  • Commercial Mortgages
  • Letter of Credit
  • Equipment Financing
  • Demand Loans
  • Business Lines of Credit
  • Term Loans
  • Construction Loans/Lines

Other Business Services:

  • Credit Card Merchant Processing
  • Wire Transfers – Transfer funds electronically to anywhere in the world quickly and effectively.
  • Direct Deposit – Lighten your administrative burden by allowing us to work with your payroll processor to arrange Direct Deposit for your employees.
  • Night Deposit – Night Deposit vaults are available at all of our offices Free of charge so you can make deposits to your account regardless of your business hours.
  • 24-Hour Telephone Banking – 24/7 information access to your accounts.
  • Business Check Card – You’ll get 24/7 access to your business account at thousands of ATM machines and the ability to make purchases at thousands of merchants


FNBA’s Business VISA© Check Card
With a First National Bank of Absecon Business VISA© Check Card you"ll have the convenience of an ATM card plus the purchasing power of VISA©. 
Access cash from your account at millions of automated teller machines (ATMs) worldwide at any time of the day or night, 365 days a year.

A fast, convenient, and safe way to pay

A VISA© Check Card is a type of "debit" card that looks similiar to a credit card,
but acts like a check because the purchase amount is deducted from the
cardholder's checking account.

  • Quicker than making a trip to the ATM, more convenient than writing checks,and safer than carrying cash.
  • Accepted at millions of merchant locations Worldwide.
  • No need to use your PIN (personal identification number). Just sign as you would for any VISA© card.
  • VISA© check card purchases are automatically deducted from your checking account so there's no interest to pay

24 Hour Telephone Banking

Check Your Balance - Transfer Funds - Check Interest Rates:
Simply call FNBA’s Telephone Banking Line from any touch-tone phone nationwide and your account information will be right at your fingertips!

Access your accounts day or night, seven days a week, even on holidays or when the bank is closed!

  • Perform balance inquiries on checking, savings, and installment loans.
  • Transfer between checking and/or savings
  • See if a check has been presented
  • Generate a fax statement
  • Check recent withdrawals
  • Check recent deposits
  • Check for paid interest information
  • Check loan payments and next due date
  • Determine loan payoff information
  • For current bank interest rates
  • Report lost/stolen check cards

There’s no application process, charge or special code required to use this service. All you need is your four digit security access code (the system will prompt you) and your account number for secure access to your account information.