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Personal Online Banking
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First
Metro Bank offers online services to meet the needs
of both individual and commercial customers. With
a touch of a button, you can control your finances
from your home, office, or wherever you may be -
anytime, day or night.
- Check balances and account history for checking,
savings, loans, certificate of deposits and
First Metro credit cards
- Transfer funds between your First Metro accounts
- Apply for a loan, deposit account or credit card
- View item images
- Request statement and item reprints
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Commercial Online Banking
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First Metro Bank's Commercial Online Access
puts you in control of your business finances, as
well as your time. Our Commercial Online Access
enables designated company representatives to
access information according to his/her designated
authority and limits.
Make the financial connection for your business
that will keep you ahead of your competition.
Benefits
- View your account information and initiate account
transactions 24/7, from any computer with internet access
- Commercial Online Access is user-friendly and simple
to operate, providing access at your fingertips
Features
- View previous day account balances on your deposit or loan accounts
- Transfer money between your related business accounts
- View images of your cancelled checks and processed deposit slips,
eliminating the cost of paper storage and retrieval
- Generate a variety of bank reports to better manage your business accounts
- Each company representative has designated account authority and limits,
keeping you in control of your business
- Access limits and dual security can also be assigned for each representative
- Commercial Online Access uses dual level protection and 128-bit Security
Socket Layers (SSL) protection, which gives you the control and
security you need to feel confident about banking online
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Online Bill Payment
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Make your life simple and easy - pay all your
bills online for FREE! First Metro's bill
payment system will allow you to pay any bill,
any time and funds are not withdrawn from your
account until the due date. No more check writing,
envelope stuffing, stamp buying or emergency post
office runs! Be CheckFree with First Metro Online.
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Cash Management
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First Metro Bank realizes each business is unique.
With the ever-changing technological environment,
our business customers want the convenience of
online access to accounts and electronic options,
coupled with traditional business checking account
services. We offer three Cash Management
options from which to chose, giving you the
convenience and flexibility you need.
Level I Cash Management
- Unlimited Commercial Online Access
- Commercial bill payment (up to 15 payees)
- ACH origination (5 batches per month, subject to credit approval)
- CD-ROM statement available
Level II Cash Management
- Unlimited Commercial Online Access
- Commercial bill payment (up to 30 payees)
- ACH origination (12 batches per month, subject to credit approval)
- 2 Domestic wire transfers with no fee
- CD-ROM statement available
Level III Cash Management
- Unlimited Commercial Online Access
- Unlimited commercial bill payment
- Unlimited ACH origination (subject to credit approval)
- 5 Domestic wire transfers with no fee
- CD-ROM statement available
The bill payment feature is processed through CheckFree.
To enhance security, a separate User ID and password may be required for this service.
Each bill is presented for payment electronically. If a payee is not equipped
to accept payment electronically, a check is presented for payment.
Each bill is pre-funded and funds are withdrawn from your Cash Management account
on the specified due date. Any bill can be paid, either to a company or
individual. Each transaction has a memo posting for additional information.
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Telephone Banking
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M.A.T.T.
(Metro's Automated Telephone Teller) gives you account
access anytime - day or night. All your primary
account information is available 24 hours a day,
7 days a week - simply by dialing 383-MATT
(6288). You can review checking, savings, loans
and certificates of deposit.
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ACH Origination Services
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The ACH origination service is an electronic funds
transfer system using the Federal Reserve's Automated
Clearinghouse (ACH). This cost-effective system is
designed to transfer funds between banks. Using this
service for payroll and bill collection gives you the
financial control you need to run your business efficiently
and successfully, while providing a great benefit for
your employees and customers.
Direct Deposit
Direct deposit electronically deposits funds into
one or more accounts at the financial institutions
of your choice.
- Reduce Costs - Fewer checks to buy, lower account charges
and no distribution costs
- Improved efficiency - Eliminates time required to print and sign checks
- Increases reliability and security; thus, eliminating reissuing
of lost or stolen checks
- Provides employees with convenience - Funds are available on a timely basis
- Reduces banking time for employees
- Minimizes time spent on account reconciliation
- Improves cash management and enhances forecasting of cash flow
- Less expensive - Most financial institutions charge less for ACH
transactions than paper transactions
Electronic Drafting
An electronic draft for customer payments is an ACH debit file.
The business account is credited and the customers account is debited.
- Improves receivables for businesses
- Eliminates postage, envelopes and other administrative expenses
- Time is saved by eliminating deposit tickets and trips to the bank
- Reduces second notices and collection work
- Customer relations are improved by providing them with a convenience -
they do not have to sit down and write a check.
Corporate Payments
The ACH service allows collection and disbursement of funds and information
between corporations or a corporation's account.
- Postage and administrative costs are reduced because fewer checks
are prepared and sent through the mail
- Uses less check stock
- Time is saved by not writing checks and reconciling accounts
- Improves control of disbursements
- Cash management is much better - no need to allow time for mailing payments
- Eliminates float
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