Electronic payments processed through the Automated Clearing House (ACH) Network, including Direct Deposit and Direct Payment can help save your company or organization time and money, while improving the satisfaction of your employees and customers. These ACH applications are implemented through the same secure system used by governments and financial institutions to move money worldwide, and are made available to our business members at CitizensFirst.

Even if your business has fewer than 50 employees, there are substantial benefits to offering direct deposit. These benefits include: easy set-up, improved cash flow, reduced check errors, lower processing costs, and simplifying reconciliation – not to mention the environmental benefits of reducing paper waste! For a full list of benefits for small businesses, click here.

Want to estimate your potential cost savings by offering direct deposit to your employees? Use this simple calculator to estimate savings! For an exact cost estimate, call our This e-mail address is being protected from spambots. You need JavaScript enabled to view it  today!

Direct payment – the electronic transfer of payments from customer or donor checking and savings accounts directly to your company or charitable organization's account – can help simplify the payment process for both you and your customers or donors. Direct Payment is ideal for companies collecting recurring payments or charitable donations of all sizes, like:

• Insurance companies
• Newspapers, magazines, and subscription-based services or offerings
• Utility and telecommunications companies
• Cable companies
• Health clubs
• Colleges and universities
• Non-profit organizations, including houses of worship

There are many benefits of automating your payments, including reducing the manual labor involved in handling check payments, improved reliability of receivables and cash flow, reducing errors, and reducing paper waste! For a full list of benefits for small businesses, click here.

Our Business Team members will assist your business in setting up your electronic payments quickly and easily, plus CitizensFirst offers some of the lowest fees in the area for this service. Contact one of our Business Team members today for an estimate on automating your direct payments!

Generally earning more interest than regular savings accounts, a Holiday savings account is a smart way to help your employees be financially prepared for gifts, decorations and other holiday expenses so they can enjoy the comfort of warm visits with friends and families – without worrying about the burden of post-holiday billing blues.

• Employees can open a Holiday Savings at any time of the year with just $5!
• Savings, plus generous interest is paid out October 1 giving employees plenty of time to make smart purchases.

This special savings account is designed exclusively for businesses offering high deductible insurance plans to their employees. A CitizensFirst Health Savings Account (HSA) can help make it easier for your employees to pay for high, out-of-pocket medical bills each month. Your employees simply make a monthly pre-tax contribution into their HSA for healthcare expenses for themselves, their spouse and/or their dependents, and they can reduce their taxable income¹ and ensure they have money to pay for healthcare expenses when they need it.
With an HSA at CitizensFirst, your employees can:

• Rest easy knowing HSA funds stay right here at CitizensFirst (no national provider).
• Grow their Health Savings Accounts quickly with tiered interest rates that reward higher balances.
• Talk to a local customer service team.
• View HSA balances with online Home Banking access.
• Pay themselves or their providers using convenient online, phone and CheckCard access to their funds.
• Roll over unused savings from year to year.

Contact our This e-mail address is being protected from spambots. You need JavaScript enabled to view it  for more information on this employee benefit!

CitizensFirst is pleased to make available to area businesses a number of on-site educational seminars for your employees. Local businesses can simply contact one of our Business Specialists to arrange for a presentation at your place of business by one of our in-house experts on a variety of topics like Dealing with Credit Card Debt, Which Retirement Plan is Right for Your Business and more. Or, if you need a custom-designed seminar specifically for your business or industry, we can design one for you. Make an easy investment in your business , with an on-site seminar by CitizensFirst!

With its exclusive partnership with Cornerstone Processing Solutions (CPS), CitizensFirst brings its members the ability to process credit card transactions with someone they can trust. Accepting credit and debit card payments from your customers can open up a whole new world of payment options for your business. Some of the benefits include:

• More outlets to sell your product/service (online, phone, etc.)
• Increased sales
• Decreased risk of bounced checks
• Quicker in-person transaction times when customers don’t have to stand in line to write checks

To begin taking advantage of credit card processing services today, contact a member of our This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Boost sales with your own on-site ATM from our merchant solutions partner, Cornerstone Processing Solutions (CPS). Each time your customers use an ATM in your store, you earn revenue. Plus, your ATM puts cash in your customers’ hands immediately – in your retail business – where they will likely spend a portion of it, sometimes eliminating credit card processing fees and reducing bad-check debt as well.
For more information on ATM rentals and purchases, contact a member of our This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Save time and money, and make your deposits easy with Simply Deposit™ Remote Deposit services, made available to CitizensFirst business members through our exclusive partner, Cornerstone Processing Solutions (CPS). Designed to give merchants access to their funds quicker and save the travel time and expense of costly banking trips, Simply Deposit™ is a simple, intuitive and easy way to deposit checks right from your retail location. Using a special scanner, you can scan the checks you normally would have taken to a financial institution and have faster availability of funds and later deposit cutoff times! For more information on Simply Deposit™ Remote Deposit Services, contact a member of our This e-mail address is being protected from spambots. You need JavaScript enabled to view it .