Commercial Services

FCN Commercial Line of Credit

Working Capital Line of Credit

If your business experiences fluctuating cash flow, an FCN Working Capital Line of Credit could be a solid and strategic choice.

This line of credit gives you easy access to funds whenever you need them. You only access what you need and you only pay interest on what you borrow. Typically, they are used as a sort of safety net for short-term business needs. And you are free to pay back your advances as quickly as you wish to manage your borrowing costs.

Talk to an FCN Lending Specialist today about how an FCN Working Capital Line of Credit could help you:

  • Smooth out cash flow
  • Expand your business
  • Cover payroll expenses
  • Finance new revenue opportunities
  • Pay current bills
  • Take advantage of new business opportunities

FCN Working Capital Lines of Credit are available in a variety of amounts (starting at $10,000) and term lengths. You can access your funds as often as you like.

Cash Management Services

Banking for your business has never been easier, safer or more effective! Talk to an FCN Commercial Banker for more information on all the innovative cash management and fraud prevention tools we offer.

Remote Deposit Capture

Make non-cash deposits without leaving your business. With Remote Deposit Capture, you scan checks and transmit the scanned images to FCN (over a secure, encrypted internet connection) for posting and clearing. If you have multiple locations, remote deposits can all be consolidated into a single account. This convenient service reduces trips to the bank and/or courier costs.

ACH Collections

Regularly scheduled customer payments can be electronically deposited to your FCN business account automatically with our Automated Clearing House (ACH) service. This service can save you time and money collecting accounts receivable as well as reducing costs related to bill preparation and deposit processing.

Sweep Accounts

Automatically sweep money, based on limits you specify, to and from your checking accounts to maximize interest earnings or avoid service fees.

Line of Credit Sweep

Have funds automatically swept from your FCN Home Equity Line of Credit to maintain desired operating balances. Or, have funds over a certain limit automatically used to pay down your line of credit balance. Think of it as a cash flow safety net.

Business Online Banking

In business and banking, knowledge is control. With online banking for your busin,ess you can check account balances, pay bills, make transfers, export transaction histories, and more.

Other Business Services

  • Night deposit services
  • Wire transfers
  • Visa, Mastercard, and Discover Card cash advances
  • Overdraft protection
  • Safety deposit boxes
  • Money market accounts
  • Front and back image statements
  • Special statement cut-off dates

Merchant Services

Give Your Customers More Ways to Pay

Today, your customers expect to be able to pay with a card. FCN’s quick and easy to set up card services allow you to accept customer payments with credit/debit cards, gift cards, and more. We offer the latest technology designed to help you provide more convenience to your customers and increase your revenue. Some of the features of FCN Card Processing Service:

  • Direct deposit of card transactions into your FCN business checking account
  • Competitive rates
  • No annual contracts
  • Funds settled within 24 hours
  • Expert monitoring and charge-back protection
  • Check verification and warranty services
  • Real-time, web-based reporting capabilities