FineMark National Bank & Trust

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Business Banking

We’ve designed our portfolio of business banking services to help our
clients conduct their commercial banking quickly and efficiently.

Business Banking

We start by getting to know you, learning about your business, analyzing your daily requirements, and understanding your long-term goals. After gaining these insights, we’ll offer banking, cash management, and lending solutions based on your company’s distinct needs. Some of these valuable services include checking and money market accounts, credit and debit cards, and credit card processing solutions.

At FineMark we also offer Treasury Management Services. Click here to learn more.

ICS® & CDARS® Account

Insured Cash Sweep (ICS®) and Certificate of Deposit Account Registry Service (CDARS®) services allow business’s to earn a return while protecting deposit balances in excess of FDIC insurance.

IOLTA & IOTA Account

Interest on Lawyer Trust Accounts (IOLTA) and Interest on Trust Accounts (IOTA). These accounts are used to separate client’s money from the regular attorney business or operating account.

Sweep Account

Allows businesses to maximize interest earned and protect funds from fraud by sweeping balances nightly into a protected account.

Small Business Checking Account

We have an account for every business size. If you’re just starting your business or it’s a long-standing entity, we can provide an account that meets your needs.

Commercial Checking Account

This account is for larger commercial businesses that need a variety of services. We will meet your company’s needs by providing banking services to optimize convenience, efficiency, and safety.

Repurchase Account

A repurchase account is a collateral-backed, interest bearing account. It is generally backed by treasury bonds and is invested in lieu of FDIC insurance.

Treasury Management Services

At FineMark National Bank & Trust, we offer trusted treasury management services that empower businesses to navigate their financial landscape with confidence. We start by getting to know you, learning about your business, and understanding your long-term goals. Count on us to safeguard your financial stability and propel your business towards long-term success.

Money Market Accounts Receivables

Our Receivables Treasury Services optimize cash flow, liquidity, and funding. Trust us to exceed your expectations.

Personal Lines of Credit Payables

FineMark’s Treasury Management streamlines Account Payables, ensuring efficient and quick business operations.

CDARS® Fraud Prevention

Fraud Management Services enhance your banking portfolio and protect your assets.

Streamline Your Business Receivables

We take the time to analyze your financial goals and suggest the business solutions that best meet your needs. Our services help optimize cash flow and liquidity.

Remote Deposit Capture

Whether it’s via Mobile Deposit on your Business Online Banking App or a Remote Deposit Check Scanner, enjoy the ability to deposit checks at any time, from anywhere. Our systems can accommodate a variety of scanners that allow you to deposit a large number of checks in each batch.

ACH (Automated Clearing House) Receivables

Automate your receivables to give you better control of your cashflow while reducing processing costs. This service allows you to auto-debit your clients accounts for one-time or recurring payments with the click of a button.

Wholesale and Retail Lockbox Solutions

Checks and invoices from your clients are delivered to a safe and secure location where they are deposited, and the information is sent to you each day, electronically. This service provides a secure way to gather incoming receivables and eliminates the need for additional personnel to open, sort, and process payments. Your remittance file can be sent through Direct Transmission with highly customizable fields. Review and post unmatched items with incomplete remittance details. Industry specific lockbox options are available (Property Management, Healthcare) with this service.

Streamline How You Make Your Business Payments

FineMark’s portfolio of Treasury Management services is designed to help our clients conduct business quickly and efficiently. We start by getting to know you, learning about your business, analyzing your daily requirements, and understanding your long-term goals.

ACH (Automated Clearing House) Payments

ACH payments reduce the time it takes for payments to reach your vendors. Payments are sent electronically from files sent directly from your online banking platform. This service also reduces the risk of check fraud and eliminates the cost of mailing checks.

ACH (Automated Clearing House) Direct Deposit

Pay your employees quickly with ACH files or templates to reduce costs and save time. ACH Direct Deposit streamlines financial processes, enhances security, and promotes efficiency. This service ensures funds are consistently deposited into your employee’s bank account on specific dates. It eliminates the need for physical checks, reducing the risk of lost, stolen or delayed payments. Your employees also save time by avoiding trips to the bank.

Domestic Wire Transfers

Originate domestic wire transfers from the convenience of your online banking platform. Wires can be sent securely using multi-factor authentication, including dual control permissions. Payments can be set to one-time or recurring through easy-to-use templates.

Fraud Management Services

Treasury Management Services at FineMark are processes designed to help optimize and control your business’s cash flow, liquidity and funding. We take the time to analyze your financial goals and suggest the banking solutions that best meet your needs and desires. In addition, we have a number of Fraud Management Services to enhance your business banking portfolio.

Check Positive Pay Service

This service adds a layer of protection to help combat check fraud. As checks pass through your account, they are matched to a check register that has been uploaded into your electronic banking portal. If a check is presented for payment that does not match the check register because of date, check number, amount, or payee name, you will receive an Alert and must approve the check for payment.

ACH (Automated Clearing House) Positive Pay Service

You can easily monitor ACH activity passing through your account by authorizing monthly or weekly payments. If a payment is not authorized, you will be alerted and must approve the payment before FineMark will post it. The service enables you to easily manage fraudulent attempts on your account.

Check and ACH (Automated Clearing House) Block Services

This service blocks all ACH or Check debits from posting to your accounts.

Information Reporting and Customized Alerts

Enjoy real time reporting of all your FineMark accounts. Manage cash position, balances, and view check and deposit images. Our Information Reporting allows you to download and export all types of account activity in different formats such as csv., BAI., or pdf. Our alert notifications allow you to customize text or email alerts with certain criteria to help keep your accounts safe.