Liquidity Management

Make your money work harder
  • Maximize savings opportunities.
  • Free up cash.
  • Consolidate your funds.

Consolidate funds, maximize your accounts' potential, and be more efficient.

Automated, end-of-day interest sweep and loan payment options allow you to increase efficiency, minimize debt, and increase interest earning potential.
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Sweep Services takes surplus checking balances and shifts them to interest sweep and loan accounts.

In business, it's important to make efficient use of your funds. Checking account balances should be large enough to cover daily operating expenses, but not so large that excess funds sit idle instead of being put to better use. Every evening, First Bank's Sweep Services automatically transfer excess funds into accounts that maximize your earnings and minimize your borrowing costs.
  • Choose an automated interest sweep (IntraFi Cash Service*), loan sweep, or a combination.
  • Increase the earnings potential of your accounts.
  • Save time and staff effort with automatic transfers.
  • Minimize line of credit expenses.
  • Arrange for automatic credit line transfer to cover checking shortfalls.

Make accounting easier and maximize the amount available for expenses.

Successful companies often maintain multiple bank accounts to manage different divisions, locations, payroll, and other specific financial needs. But there's no reason to keep much money in those accounts when there are no expenses to cover. A Zero Balance Account automatically moves excess balances into a primary checking account to simplify accounting and allow for the most efficient use of funds.

  • Easily track banking activity for different company divisions or business functions.
  • Establish dollar amount or zero-balance thresholds for the accounts.
  • Eliminate time spent manually funding subsidiary accounts.
  • Minimize the risk of Overdraft Fees related to the central account.
  • Receive a monthly statement detailing all transfers.

Resources to help you achieve your financial goals.

*A list identifying IntraFi network banks can be found at www.IntraFi.com/network-banks.  Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.  Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements.  Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds.  To meet the conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits.