First Florida Integrity Bank offers a suite of products and services designed for businesses. Our sophisticated technology enables us to effectively compete in the Southwest Florida banking market and to provide you with the latest products and services designated to simplify your business. Our Treasury Operations professionals are dedicated bankers who will work with you to customize and create solutions to successfully meet your business needs. Contact a Treasury Operations Representative at 239-325-3765 to find out more about the services listed below:

Cash Management Electronic Banking
click for details

Cash Management Electronic Banking

First Florida Integrity Bank's Cash Management Electronic Banking solution is designed to meet the specific needs of your business. Instantly access your financial information from the convenience of your home or office. Token access is required, giving you additional security during on-line processing.

Make accurate financial decisions from the convenience of your office.
  • Access account information
  • Transfer funds between First Florida Integrity Bank accounts
  • Pay bills electronically

Quickly recall and utilize information

  • Current day's balance
  • Prior day's balance
  • Transaction inquiry
  • Retrieve check & deposit slip images for 365 days
  • Statement inquiry with Electronic Statement Delivery
  • Placing Stop Payments on any lost or stolen paper check items
  • View loan status

Simplify Administrative functions

  • Set up multi-user access with varying levels of authority
  • Set up e-mail alerts
  • Download transactions to Quick Books

Cash Management Electronic Banking Demos and User Guides:

ACH Services
click for details

ACH Services

ACH Services. Save time and money with electronic payment and deposit processing. With ACH (Automated Clearing House) Origination, you can initiate payments and deposits electronically to simplify payroll, tax payments, dues, donations and much more.

ACH Services Benefits

Create a batch for origination by collecting data, such as payee name, routing/transit number and account number and input into our Electronic banking ACH service. Then initiate the batch which sends the NACHA formatted file to First Florida Integrity Bank for posting to payee accounts on the specified effective date.

  • Realize cost savings on personnel efficiency and time spent on paperwork
  • Greater control of your organization's cash position since settlement date is predetermined
  • Convenient to your customers by allowing multiple payment options

ACH Credits or Payments

  • Direct deposit payroll
  • Tax payments
  • Vendor payments

ACH Debits or Deposits

  • Membership dues
  • Charitable donations
  • Insurance premiums
  • Loan payments


Electronic Wire Transfers
click for details

Electronic Wire Transfers

First Florida Integrity Bank's Electronic Wire Transfer, also called electronic funds transfer service, allows you to initiate domestic wire transfers from your Electronic Banking Cash Management menu.

First Florida Integrity Bank's wire transfers are safe, secure, and immediate. Fedwire, a Federal Reserve funds transfer system, is a real- time method of transferring immediate funds and supporting information between two financial institutions.

Options Include:

  • Set up repetitive or semi-repetitive wire transfers
  • Specify security levels (must meet First Florida Integrity Bank's minimum-security requirements)
  • Specify individuals at your company who are authorized to send and/or approve wires
  • Specify the dollar amount to send or approve
  • Email notifications of all incoming wires and outgoing
  • Electronic Wire Transfers - Hours of Operation:
    Domestic wires 8:00 a.m. to 5:00 p.m. EST
    International wires 8:00 am to 2:00 pm EST
    Incoming wire transfer posting 8:00 am to 5:00 pm EST
Wire Transfer Incoming Domestic Wire Transfer Instructions
Incoming International Wire Instructions
Outgoing International Wire Transfer Request Form
Fraud Prevention Tool
click for details

Fraud Prevention Tool. Control with confidence.

Fraud Prevention Tool. Control with confidence. At First Florida Integrity Bank, protecting your money and financial information is serious business.

When armed with fraud prevention tools and tips, you can protect your money, your assets and your credit.
  • Prevent check fraud
  • Increase control over accounts
  • Decrease the risk of electronic fraud

Positive Pay. Check fraud prevention

Reduce the risk of check fraud by utilizing Positive Pay, First Florida Integrity Bank's check fraud prevention tool. Positive Pay, used in conjunction with Account Reconciliation, is a wise choice for businesses that issue a large number of checks on a monthly basis or experience frequent or serious fraud losses. As your business issues checks, simply transmit your issued checks log with check number and dollar amount via our Electronic Banking Cash Management system. We'll match your issued items against checks presented for payment and alert you to any exceptions. The decision to pay or return the item is now in your hands.

Account Reconciliation

Used in conjunction with First Florida Integrity Bank's Positive Pay tool, our account reconciliation provides Internet-based functionality so your company can take control of your checkbook and manage your company's assets more effectively and efficiently. With Account Reconciliation, you can transmit files with check information to First Florida Integrity Bank via our Electronic Banking Cash Management system. The system provides detailed reports including outstanding issued items. Great for organizations with:

  • High volume disbursement accounts
  • Desire to use one account and reconcile by individual disbursing unit
  • Increasing automation in the check issuing and reconciliation areas
  • Desire to eliminate costly delays and oversights in the reconciliation process and to improve efficiency
  • Reporting of information can be tailored to suit your company's processing needs

ACH Blocking. electronic fraud protection.

Decrease the risk of electronic fraud with First Florida Integrity Bank's ACH Blocking, which allows you to block unauthorized ACH transactions on commercial checking and savings accounts. Criminals may use a company's payroll, vendor payables or dividend account information as their own to make Electronic purchases. Some companies remain unaware of such fraudulent entries against their accounts for months, leading to extended problems in collecting their funds. According to NACHA rules, a company receiving an unauthorized debit or credit transaction can charge back the entry for immediate credit only if the return request is made within 24 hours.

ACH Blocking Benefits

  • Minimizes risks of unauthorized ACH transactions against your account
  • ACH Blocking Reports may be accessed via fax or Internet
  • Provides control in managing transactions within time constraints
  • Block unauthorized ACH transactions by standard entry class code, company ID, or specified transactions


Remote Deposit Capture
click for details

Remote Deposit Capture. Make deposits from your desk.

Remote Deposit Capture (RDC) from First Florida Integrity Bank allows your company to electronically deposit checks, money orders, and certified checks the moment you receive them, without leaving the office.

The digital deposit is then transmitted (over an encrypted Internet connection) to First Florida Integrity Bank, who accepts the deposit and posts the deposit to your account

Options Include:

  • Scan your deposits from your desk
  • Improve efficiency and profitability
  • Eliminate trips to the bank. 24 hours a day, 7 days a week, with next day availability on your funds.
  • Same day deposit up to 7:00 pm EST on regular business days
  • Onsite set up with Training
  • Retrieve images of deposited checks (front and back) for life of account
  • Set up multiple RDC users each with specific system level entitlements
  • RDC service can accommodate as many accounts as needed
Click here to calculate how much you can save with RDC


Remote Deposit Capture Guide

Mobile Remote Deposit Capture Guide

Remote Deposit Capture Admin User Guide

Lock Box
click for details

Lockbox Services. Expedite your receivables.

Remittance Processing (Lockbox) is the most widely used and effective tool available for accelerating the collection of receivables. Payments bypass your office and come directly to the bank.

First Florida Integrity Bank's lockbox system is a state-of-the-art system that provides convenient processing of high volume payments for your business. This streamlined remittance process provides features such as:

  • Owned and operated by First Florida Integrity Bank
  • Eliminate trips to the bank
  • Efficient mail receipt and processing
  • Expedient check collection and funds availability
  • Timely and accurate remittance details
  • Same day processing
Merchant Services
click for details

First Florida Integrity Bank Merchant Services

First Florida Integrity Bank’s Merchant Services make it easy for you to offer your customers a wide range of payment options. Best of all, you don’t have to depend on a national service company that can take days to solve problems. At First Florida Integrity Bank, we provide superior customer service with personalized, local support. Expand your revenue capabilities when you accept Visa®, MasterCard®, American Express® and Discover®.

  • Multiple processing methods available including: Point-of-Sale (POS), Virtual Terminals, Mobile Devices and Online Payments
  • Onsite set up and training by First Florida Integrity Bank’s Merchant Services professionals
  • Complimentary competitive rate quotes with attractive contract terms
  • Local customer service and technical support along with toll-free help desk assistance 24/7, 365 days a year
  • Competitive rate quotes and attractive contract terms

For more information on merchant services,
contact or call 239-325-5718

Business Lending
click for details

Business Lending

Financing options to grow your business. At First Florida Integrity Bank, we are committed to providing financial solutions to businesses in the communities we serve.

That's why we offer a wide range of flexible and sophisticated financing options for short-term, seasonal and long-term borrowing needs.

Here's what you receive with any business loan

  • Personalized attention
  • Prompt, courteous service
  • Experts in various business industries

We know businesses are looking for a financial partner and adviser who understand the challenges they face every day. That's where our experience in relationship banking makes a difference. Summary of loans provided:

  • Working capital lines of credit
  • Equipment financing
  • A/R and inventory financing
  • Letters of Credit
  • Non owner occupied real estate loans
  • Owner occupied real estate loans
  • Construction/permanent loans
  • Real Estate Loans (investment property)
Corporate Credit Cards

Corporate Credit Cards

Get the purchasing power you want and the spending flexibility your business needs with a First Florida Integrity Bank Credit Card.

Escrow Manager

Escrow Manager

Attorneys, title companies and real estate offices can all save valuable time managing separate escrow accounts with First Florida Integrity Bank’s Escrow Manager. Its streamlined opening and closing procedures also reduce paperwork and increase efficiency.

ICS - Insured Cash Sweep

ICS - Insured Cash Sweep

ICS, or the Insured Cash Sweep service, is a smart, secure, and convenient way for bank customers to earn a return and access multi-million-dollar FDIC protection on large deposits.

Zero Balance and Sweep Accounts

Zero Balance and Sweep Accounts

Eliminate excess cash in accounts and maintain greater cash flow and liquidity as funds automatically move each night to cover disbursements.

Smart Safe Accounts

Smart Safe Accounts

Our Smart Safe’s allow you to store your business cash in a safe and secure location. The cash is then picked up and counted by our secured cash transportation company and electronically sent to your account at First Florida Integrity Bank.

Business Banking Services

Find a Branch

    Need Assistance?