Correspondent Banking

If you are looking to add a new branch, get a loan to acquire additional capital or expansion purposes, or need funding for ESOP plans, choose First National Bank as your trusted lender. We take great care to keep your information confidential while getting you the finances you need to succeed. And because every bank’s needs are unique, we offer customized terms and conditions for each transaction.

Keep business in your community with the help of First National Bank. We are empowered to purchase loans that may exceed your bank’s lending limit and help you maintain relationships you have worked hard to cultivate with your customers. Our team can help diversify your portfolio through an exchange of participation loans including commercial, agricultural, and real estate. Contact a lender today to get started.

At The First, we understand better than anyone that your needs are specific to your bank and business goals. That’s why we offer direct loans on flexible terms to your bank’s executive officers and stockholders, minimizing your internal regulatory concern for this type of lending.

• Store and retrieve up to 60 days of ACH file history
• View ACH files by day of activity for quick organization and efficient searches

• Originate payroll, loan payment and bill payment ACH files
• Quickly edit and generate previously saved ACH templates
• Generate EFTPS tax payments

• Securely send customer-generated ACH files for processing
• Scan customer-generated ACH files for OFAC compliance
• Validate formatting of customer-generated files before sending

• View and search ACH files in user-friendly format
• Download ACH files for import into core processor system
• Scan ACH files against OFAC list
• Create Automated Returns and Notifications of Change
• Search ACH files by Trace Numbers, Amount, SEC Code, Customer Name and more
• View all NOC or Return Entries in one convenient report

• Transactions will be delivered in a separate incoming IAT ACH file, eliminating the need to request a separate IAT file from the Federal Reserve
• The delivery of a separate ACH file will allow an OFAC scan for just the IAT transactions and process the IAT files separately from other ACH files

For banks with corporate customers who need to initiate their own ACH transactions, we offer (through Juniper Payments) the ExtraNet FP-C, a separate application, which allows the corporate customer to initiate or create an ACH file from their own desktop. The file is processed through your financial institution for verification and dual authorization.

• Your account is credited for principal and interest payments received on securities held for safekeeping
• Pledges and releases are processed on a daily basis
• Third-party settlement upon receipt of instructions and prior notification for upcoming maturities
• Safekeeping receipts and credit advices provided daily
• Monthly statements verifying securities held and those pledged

Qualifying securities

• U.S. governments and agencies
• State municipal securities
• City, school and county municipal securities
• CDs up to the $250,000 legal limit insured by the FDIC

As an agent for the Federal Reserve's Excess Balance Account (EBA) program, First National Bank can help you earn interest on balances at the Federal Reserve bank if you are eligible. Interest on your account is calculated daily and paid on a weekly basis.

The First can save you time by automatically sweeping the excess funds from your DDA in or out of Fed Funds or an Excess Balance Account. Simply set an ending daily balance for your account and we'll sweep the excess or deficit in or out of the account at the end of each business day.

We make it easy to initiate domestic and international wire transfers through the ExtraNet, a secure and direct web-based connection to The First. We process these wire transfers through a direct line with the Federal Reserve Bank of Kansas City.

If requested during business hours, outgoing wires are transmitted promptly and honored the same day. We begin receiving and sending wires at 8 a.m. CST and process same-day activity with a normal cutoff time of 4 p.m. CST. Outgoing wire requests will be handled until 5 p.m. and incoming wires will be deposited into your account until the same time.

Make the most efficient use of your funds with First National Bank’s Online Cash Management.

• Live view of your position at any time 
• Security through the ExtraNet, a secure web-based connection to First National Bank
• Access to daily totals and updated information each morning
• Daily information on available funds from the last cash letter, any applicable Fed and First National Bank cash letter charges, ACH debits/credits, large return item charges, collected investable funds, and average month-to-date collected balances.
• Greater efficiency and flexibility in day-to-day operations
• Domestic and international wire transfer services

First National Bank provides a full service cash vault to financial institutions. When you trust The First, you can expect next-day delivery of coin and currency. We are just one of a few correspondent banks to offer registered mail delivery for your convenience, however arrangements may also be made for an armored service pick up and delivery to your bank. The First will also purchase excess coin and currency. Place your order through the ExtraNet or by phone.

First National Bank is a trusted processor of cash letters throughout central and western Kansas. Our use of image cash letters lets us reduce the cost of clearing checks for our customers. Once deposited with us, immediate credit is given on nearly all of your items. Whether you process in-house or not, you can still settle your cash letter with us as well as send cash letters directly to the Federal Reserve Bank for credit to your account at The First. We offer a secure connection for transfer to DCI, the Fed and for your on-us items from The First and the Federal Reserve.

For more information regarding our services please call 800.293.0683