FineMark National Bank & Trust

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FineMark has the tools to help you manage your business with convenience, speed and added security. Once we understand your needs and analyze your daily requirements, we’ll offer the appropriate banking, cash management and lending solutions to help you achieve your short and long-term goals.

Business Banking

We’ve designed our business banking services to help you take care
of your commercial banking needs quickly and efficiently.

Business Banking

We have the tools to help you manage your business with convenience, speed and added security. Once we understand your needs and analyze your daily requirements, we’ll offer the appropriate banking, cash management and lending solutions to help you achieve your short and long-term goals.

To learn more about FineMark’s Treasury Management Services, click here.

ICS® & CDARS® Accounts

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

IOLTA & IOTA Accounts

Interest on Lawyer Trust Accounts (IOLTA) and Interest on Trust Accounts (IOTA) are interest bearing accounts used by legal practices to separate a client’s money from the practices business or operating account.

Sweep Accounts

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

Small Business Checking Accounts

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 Accounts

If you have a larger commercial business, we have a variety of banking services to optimize convenience, efficiency and safety.

Repurchase Accounts

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

We offer trusted treasury management services to help streamline your business operations by efficiently managing 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.

Money Market Accounts Receivables

FineMark’s Receivables Services are designed to help your business optimize cash flow and reduce risk by managing accounts receivables.

Personal Lines of Credit Payables

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

CDARS® Fraud Prevention

Reducing the risk of fraud is essential to your business. FineMark offers various solutions to monitor and protect your accounts.

Receivables

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.

Payments

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 Prevention

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 to 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 to approve the payment before it’s posted. 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.