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. Our Treasury Operations professionals are dedicated bankers who will work with you to customize and create solutions to successfully meet your business needs. To find out more about these services, contact one of our Treasury Operations Officers at 239-325-3765 or email

Cash Management Electronic Banking
click for details

Cash Management Electronic Banking

First Florida Integrity Bank’s robust online system is designed for accessing Business account information at any time – day or night - bringing all of your banking information together on one easy-to-use platform. Convenient access from your PC, Laptop, Smart Device or Mobile Banking. Apps are available for both iPhone® and Android® mobile devices.

  • Enhanced Features – Access to Bill Pay, Ordering Checks, Stop Payment of Checks, Mobile and Desktop Deposit scanning, ACH functionality, Fraud Protection, Account Alerts, & Wire Transfers. You will have also the ability to generate summary/activity reports and download transactions using the most popular accounting software.
  • Administration Capabilities allows you to create multi-user access to set up and entitle user privileges with varying levels of authority including dual control. Implementing separation of duties within your office is a basic building block of sustainable risk management and internal controls for your business.
  • Multi-Layer Security – You will have multiple layers of security to protect you though a Token Fob or VIP Access App ® giving you additional safety during online processing.
ACH Services
click for details

ACH (Automated Clearing House) Origination Services

Use ACH Origination Services for accounts receivables and deposit processing. This service allows you to deposit your employee’s pay check directly into their accounts at the bank of their choice, complete bank to bank transfers, or initiate vendor payments. Collect rent and association dues electronically right from our Cash Management Electronic Banking system.

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


Smart Safe Accounts

ACH Block and Filter Fraud Services

ACH Block and Filter Fraud Services allows you to define acceptable ACH debit and credit transactions or block them all and return. You will have the ability to view ACH exception information presented to you early in the day to determine whether to honor or return those items. You will also have the option to reject unauthorized ACH transactions.

Corporate Credit Cards

Account Reconciliation

Used in conjunction with the Bank’s Positive Pay service, our Account Reconciliation provides functionality so you can manage your company’s assets more effectively and efficiently. With Account Reconciliation you will have monthly reports of paid, outstanding and exception items reducing administration costs and managing risk.

Corporate Credit Cards

First Florida Integrity Bank Platinum Business Credit Cards

Platinum Business “Pay Back” Card. Enjoy the confidence that comes with using a corporate credit card. Take advantage of extra benefits such as the ability to set spending limits per card and to earn cash back on everyday business purchases. All of this with No Annual Fee.

Electronic Wire Transfers
click for details

Electronic Wire Transfers - Domestic & International

First Florida Integrity Bank’s electronic Wire Transfers allow you to initiate international and domestic wire transfers from your office. Wire transfers are safe, secure and immediate. Plus, you can establish recurring transfers, schedule in advance and receive notifications of incoming and outgoing wires. You can specify individuals and dollar amounts at your company who are authorized to send and/or approve. You may conveniently approve wires on the go from your mobile phone or Smart device.

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 - US Dollars only 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
Zero Balance and Sweep Accounts

EDI (Electronic Data Interchange)

  • Receive same-day detailed remittance information needed to effectively manage your company’s receivables. We will translate the addenda information received with your Automated Clearing House (ACH) incoming transactions.
  • The information contained in these messages from your remitter typically includes medical insurance reimbursements (including NACHA CCD+ which complies with healthcare legislation, CCD and CTX), invoice, purchase order numbers and other useful payment-related data.
Escrow Manager

Escrow Manager

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

ICS - Insured Cash Sweep

ICS - Insured Cash Sweep

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

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

Merchant Services

First Florida Integrity Bank's Merchant Services makes it easy for you to offer your customers a wide range of credit card payment options. Best of all, you don't have to worry about a national service company that can take days to solve problems. We provide the same superior customer service with personalized, local support that you know you can count on. 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 239-325-5766

Business Lending

Positive Pay & Reverse Positive Pay Check Fraud Protection

When armed with fraud prevention tools and tips, you can protect your money, your assets and your credit.

  • Check Fraud is one of the greatest challenges facing businesses today. First Florida Integrity Bank helps you to develop a fraud protection strategy in two great ways to review suspicious checks daily and easily determine irregular payment activity.
  • Positive Pay is an automated check-matching service that compares checks presented for payment with checks you've issued. This allows you the chance to review any checks that do not match your issue file and make the decision to pay or return. With Reverse Positive Pay, no issue file is needed and all checks are presented to you to review and decision.
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


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.


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 transfer each night to cover disbursements. Perfect for overdrafts or funding errors.

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?