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Business Digital Banking
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Business Digital Banking, accessible via web or mobile application, provides a variety of modular services and functionalities customizable to manage each customers' treasury and banking needs.
Learn more about Business Digital Banking App features here.
Learn how to use the tools to run your business. See frequently asked questions here.
Access your online services:
With FirstBank modular services you can:
Access your account at any time
See balances and transactions
Create customized reports
Process payrolls
or suppliers payments
Process wire transfers
Learn more about our services offering to manage your business.
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Account Information
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Transactional Services
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Fraud Prevention
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Collection Services
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Account Services
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Deposit Services
Information and reconciliation services
Obtain access 24/7 to information on your accounts and transactions in real time or up to 12 months of transaction history available by downloading a file in BAI2, CVS, Quicken, QuickBooks1, or PDF formats. In addition, you can access your account statements and the Account Analysis statement for more control of your monthly transaction activity.
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Enables you to always maintain visibility of your account
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Facilitates your information retention process while providing you with different options to save the reports
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Facilitates the banking reconciliation process as it can download the report in different formats and upload them to your accounting system
Access 12 months of bank statement history online and download each statement in PDF format at your convenience.
Benefits:
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Access your bank statement history 24/7 up to the most recent 12 months
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Access to images of paid checks
With the Account Reconciliation service, you will have the ability to automatically integrate your bank activity with your accounting system to compare on a daily basis your list of issued checks against those that were posted in the account.
There are three types of bank reconciliation:
- Full Account Reconciliation: The company's users can manually introduce the issued checks or import them in files before the last day of the reconciliation cycle. This list is automatically compared with the elements posted in the account. The company's users will receive account statements and reports that itemize the paid, pending, and exception elements.
- Partial Reconciliation: the company's users receive an account statement for each reconciliation cycle that indicates the total activity of said period.
- Deposit Reconciliation: the deposits are reconciled, grouped, and totalized in a list posted at the close of the cycle.
Benefits:
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Allows greater control of your banking activity
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Facilitates identification of potential fraud, irregularities, or errors when matching your issued checks against the checks posted in the account
Receive daily notices until 11:00AM of the checks presented for collection through the Clearing House, pending for process at the close of the business day. With this service, you will be able to anticipate potential overdrafts or excess funds in your accounts for the next day and it will help you effectively manage your liquidity position.
Benefits:
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Daily notice of checks when processed
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Efficient management of your funds
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Maximization of your investment opportunities
DVD-ROM allows you to save and immediately access the information you need about your checks. This service helps your company to function with higher productivity in the handling of paid checks. Receive a monthly DVD-ROM with paid checks and a PDF of your account statement.
You also have the option to search and download electronically up to 12 months of image history of checks, deposits, credits, and /or debits in your account with the Images Search service.
Benefits:
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Up to 25,000 paid checks in a DVD-ROM with images of both sides of your checks
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Easy and quick access to transaction images
Our offering includes two types of letters:
- Import:
The Import Letters of Credit provide confidence in your transactions through our support. Also, it gives suppliers the security of receiving your payment as long as they meet all the terms and conditions stipulated in the Letter of Credit.
- Export
We will provide assistance in the preparation of the required documents in your Export Letter of Credit to help you comply with the required terms and conditions and speed up the acceptance and/or payment.
Transactional Services
Transfer money between your accounts at any time.
Transferring cash between your accounts is now easier and done in real time. Just by selecting the accounts and the balance to transfer, you may send it instantly and receive immediate confirmation of the transaction.
Benefits:
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You will receive confirmation once the transaction is completed
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Ability to manage high volume of transfers
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Monitor transfers in real time
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Ability to manage high volume of transfers
Make money transfers without border limits.
Simplify the process of sending money abroad with the wire transfer service, which will allow you to send money instantly to accounts in U.S. territories or abroad. This service allows you to generate transfers instantly in a quick and easy way.
Benefits:
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Domestic transfers effective almost immediately
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International transfer with foreign currency exchange, such as the Euro, Peso Mexicano, and Australian Dollar, among others
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Transaction history for 12 months
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You can set approval levels
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Notices when the transaction is completed or received
Benefit from the alternative that allows you to manage all your payments and collections electronically through ACH (Automated Clearing House), the electronic payment and collection network comprised of corporations, financial institutions, and individuals in the United States, Puerto Rico, and U.S. Virgin Islands. Through the ACH service, you can make:
1. Direct deposit to employees
Automate payroll process and help your company operate more efficiently by quickly sending direct deposits to your employees' accounts.
2. Direct payment to suppliers
It allows you to automatically debit the payments from your commercial account and credit them to the accounts of your suppliers at any banking institution participating in the ACH network.
3. Direct payment to ASUME
It allows you to support your employees with financial matters by processing their payments to ASUME electronically.
4. Direct payment to EFTPS
With ACH, you can also send payments through the EFTPS (Electronic Federal Tax Payment System). With this system—enforced by the U.S. Department of the Treasury—you can issue your payments electronically at any time. In addition, you'll have the most secure privacy protection measures enforced by the federal government.
You may pay two types of taxes using EFTPS: FICA (Federal Insurance Contribution Act) or 941 for Social Security and Medicare FUTA (Federal Unemployment Tax Act) or 940.
Benefits:
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Simplify payroll
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Reduce operational expenses
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Access and maintain 12-month payment history
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Reduce risks and costs associated to check issuance
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Speed up your collections processes
Make utility and supplier payments in a single system.
Our Commercial Bill Payment service allows you to issue, schedule, or cancel electronic bill payments from the list of merchants previously defined in our payment platform.
Benefits:
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Keep online history of all processed payments
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Register your recurrent payments
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Centralizes your payment channels and monitors your balances
Fraud Prevention Services
Keep control of the checks to be paid from your account.
They are fraud prevention tools that help you detect altered and forged checks proactively. Positive Pay electronically matches the account number, check number, and the amount of money in dollars (name of the beneficiary of the check) of each check presented for collection through the Clearing House against the list of checks issued daily through the Business Digital Banking platform. Any discrepancies are filed as exceptions pending your decision to pay or return by 11:00AM. In addition, Teller Positive Pay helps you instantly detect any fraudulent check, presented for collection, through our branch network, which mitigates your disbursement risk and helps you avoid impacting your disbursement account.
Benefits:
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Greater disbursement control
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Decide which check must be paid
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Avoids cashing of unauthorized, stolen, or duplicate checks
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Automates your check reconciliation process
Avoids unauthorized debits from your account.
Through ACH Positive Pay, you decide which ACH debits enter your account, as you have the option to reject or pay any ACH debit presented as an exception.
Benefits:
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Avoids unauthorized ACH Debits
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Decrease the number of claims.
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Greater control of your debits
ACH Block allows you to block your accounts from being affected by any ACH-generated electronic transactions while enabling you to define specific companies that can debit from your account.
Benefits:
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Greater debit control
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Efficient accounting processes
Keep control of the checks you pay.
Process payment cancellation orders of your checks issued in your checking accounts and at any time. Just by making a few clicks, you may issue a stop payment of one or several checks, as well as cancel the stop payment through the same platform. You will receive confirmation once the process has been completed.
Benefits:
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Immediately and easily received3
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Keep a record of all the stop payments made online
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Eliminates the risk of manual processes and delays
Collection Services
ACH Collections allows you to make preauthorized debits from your clients' accounts to facilitate your collections process and update your accounts receivable. In case a transaction is returned, you will receive a detailed report of the returned collection on Business Digital Banking.
With our Re-Presentment service, your ACH debit will be automatically processed up to two times before it is finally debited from your account, facilitating your collections process.
Benefits:
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Simplify payroll
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Reduce operational expenses
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Access and maintain 12-month payment history
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Reduce risks and costs associated to check issuance
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Speed up your collections processes
Increase your payment centers through FirstBank's branches and the network of cooperatives associated to our corporation.
With this service, you can make all FirstBank branches (and cooperatives affiliated to our network) into payment centers for your company, providing a broad physical network at which your clients can make payments. Through the Payment Station service, FirstBank receives the payments, bills, receipts, or vouchers from your company and processes them to create and send you a file with the received payments.
Benefits:
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Larger payment center network
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Receive direct credit to your FirstBank account
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Receive an electronic report or file detailing the received payments
Manage your received payments. Retail & Wholesale Lockbox.
For businesses that receive a considerable volume of payments with coupons or bills through mail, FirstBank will effectively process automatic collection thereof and send you an electronic file to update your accounts receivable. By designating a post office box exclusively for your company, it benefits from the collection, organization, and deposit of the payments made by your clients, so that they are quickly available in your account.
Benefits:
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Reduce the time it takes to process your deposits
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Reduce operational costs
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Maximize the efficiency and productivity of your company
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Receive an electronic report or file of payments received to update your accounts receivable system
Receive payments from your clients through FirstBank's digital platforms with the Commercial Bill Payments for Billers service, which allows you to automate your collection channels and receive guaranteed and direct credit to your account as we verify the availability of your clients' funds before we process the transaction.
Benefits:
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Receive direct credit for the total payments received into the account
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Reduce the volume of returned transactions
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Speed up fund availability
Account Services
Designed for companies that control and monitor their operations in separate accounts for deposits, electronic credits, payments to suppliers, payroll, and other debits. By linking these accounts to a concentration account, you can automatically transfer the net result to your funds account while keeping a final balance of zero at the end of the day for said accounts.
Benefits:
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Optimizes management of your funds
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Greater control of your revenues
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Minimizes the risk of daily overdraft
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Cost effective funds transfer
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Account information and management through Business Digital Banking
The concentration account service allows you to make quick decisions on your net cash position of the prior business day in a concentration account by automatically transferring the impact of your transactional activity for credits and debits in your accounts set up as Zero Balance.
Benefits:
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Greater control of funds and balances
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Optimizes management of your funds
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Account information and management through Business Digital Banking
Your available funds are transferred automatically to the investment portion of the commercial account on a daily basis, which provides greater efficiency in your balances and allows you to earn interests on your available funds.
Benefits:
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Earn interests
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Maintains greater control of your funds and balance availability
Deposit Services
Deposit your checks remotely without having to visit the bank.
Smart Check is a service that allows you to deposit your checks from anywhere and at any time. You don't have to leave the office to make deposits. Electronically scan and process the checks you receive into your account.
Benefits:
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You can make deposits 24/7, without having to visit the bank
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Save time and money
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Increase your business cash flow
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Speed up the identification of bounced checks
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Reduce costs and improve operational processes
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Consolidate the deposits of all your commercial locations
Make cash deposits from your locations in a quick and convenient way.
With Smart Cash, you can make cash deposits from the comfort of your office through a security vault that allows your money to be processed and registered as an automatic deposit, which brings you flexibility and security. This service requires additional contracting with a transportation company that withdraws the funds from the vault at least twice a week.
Benefits:
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Speedy cash processing
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Save in transportation
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Reduce the risk of discrepancies
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Provide detailed reports of depositors and daily balancing (per store and employee)
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Prevent fraud and theft
Forget about the bank's closing hours and deposit your checks and cash anytime.
With the Night Depository service, you can deposit in the drop box at any of our branches at any time during the night and have the funds available in your account the next business day.
Benefits:
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Avoid lines in the bank
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Special lock bags for greater security
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Deposit cash and checks at any time
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Avoid having to carry large amounts of cash on hand
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Deposits will be made during the morning of the following business day
Money Counting provides the advantage of daily receipt and processing your business cash and check deposits through the service of armored trucks hired by your company. When set up under this service, your company may make operational cash requests through recurrent instructions or the Web Cash Ordering system. Both channels will allow you to maintain control of all the orders processed per location, as well as to speed up the disbursement process.
Benefits:
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Greater control of cash deposits and orders
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Visibility of processes per location
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It helps you decrease potential fraud cases while maximizing your operations
HOW TO APPLY
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FREQUENTLY ASQUED QUESTIONS
Member FDIC. Certain additional terms and conditions may apply. Services available only to FirstBank business customers. Smart Cash Management Solutions services are subject to charges and subscription of additional services. Customers must have accounts with FirstBank and be registered in the Smart Cash Management service.