First National Bank of the Gulf Coast

Electronic Banking

Electronic Banking offers you the convenience of 24/7 access to your account. Our spectrum of electronic services include but are not limited to: bill pay and mobile banking. To enroll, click here now.

Electronic Banking Demos and User Guides:

Bill Pay

Online Bill Pay is designed to make your life easier by eliminating checks, envelopes, and stamps. Now you can pay virtually anyone in the U.S. from your checking account with just a few clicks of your mouse. It's safe, convenient, and easy. Plus, Online Bill Pay is absolutely FREE! All you need is a First National Bank of the Gulf Coast checking account.

Add Payees. It's simple, whether they are individuals or businesses
Set up automatic payments for items with fixed amounts - like your rent or mortgage
Track the status of your payment from pending to paid
Review history to see details about the payments you have made

Mobile Banking

At home, in the office, or on the run, have access to your account whenever, wherever through your cell phone, Blackberry, or PDA. Enrollment is made easy through Electronic Banking.

E-Statements

Worried about identity theft? Tired of waiting for your mail to protect your privacy? Let us ease your mind with our E-Statement solution.

We will notify you when your statement is ready. Log in to our secured, password protected website to safely view your electronic statement. Contact one of our Personal Bankers for more information.

Remote Deposit Capture

Deposit checks directly from your place of business with Remote Deposit. Simply scan checks right at your desktop using a small scanner that electronically sends the images to First National Bank of the Gulf Coast for deposit.

Quick and convenient way of making deposits from remote locations
Later deposit deadlines – deposits can be made as late as 7:00 pm EST
Reduce check float, making funds available quicker
Consolidate multiple locations into a single deposit account
Deposits are still regulated by Reg CC, allowing for holds being placed on funds if necessary
Reduce the number of trips to the bank, eliminating the need for costly courier services
On site digital image of all deposits, allows customer to retain all information for future research
Onsite training and implementation

Remote Deposit Capture Login

ACH (Automated Clearing House)

The ACH function of our Electronic Banking allows you to electronically transmit funds from one account to another at different banks as needed or on a prearranged schedule. Other features include:

Process of Payroll, payables, receivables, insurance premiums, utility bills, and tax payments.
You save time, effort, and cost of writing and mailing checks.
Increased control over receivables, assisting customers in predicting cash flow eliminating expensive manual collection processes. To learn more account ACH check out the Electronic Banking Demo with Cash Management

Account Reconciliation

First National Bank of the Gulf Coast offers Full Account Reconciliation as either a stand-alone service or a complement to our Positive Pay. Simply provide a file with the check number, dollar amount, and issue date of each check issued uploaded though Electronic Banking. Once the Bank reconciles the issue data to the paid activity, we then provide reports of both checks issued and paid, and checks issued but outstanding.

Check Image CD-ROM

First National Bank of the Gulf Coast’s image storage solution provides long term storage for images of canceled checks; deposit tickets, checks deposited, and bank statements. Eliminate the boxes of old bank statements and canceled checks kept in storage. Multiple account statements and images can be burned on a single CD-ROM each month. Images can easily be viewed from the CD-ROM or imported onto your hard-drive

Lockbox Services

This state-of-the-art Lockbox Service provides convenient processing of high volume payments for your business. This streamlined remittance process provides features such as:

Payments processed same day as received
Online Reporting available
Quick Resolution
Output files are produced for uploads directly into your accounting or tracking system software
Paid Item report is completely customizable for your needs and available via website
Daily electronic credits of your receivables are posted to your account

Master Escrow Services

By opening a Master Escrow Account you will no longer waste valuable time managing separate escrow accounts. This account will save time with its streamlined opening and closing procedures and will also reduce paperwork by no longer requiring letters of request. Make deposits with a special deposit ticket with the client’s name, address and tax id number. The Bank will manage your escrow and do the escrow accounting for you. There are no fees or charges for this service.

Easy to establish Primary accounts, and Sub Accounts
Transfers may be requested by phone or email
Separate accounting records will be maintained for each sub account
1099’s will be prepared for you and mailed directly to sub-account holders by bank
FDIC insured for $250,000 on each Sub-Account per Depositor
Audit Trail for accurate reporting
Provide monthly statements

Merchant Services

We can make it easy for your business to accept and process debit and credit cards. We offer many solutions which can expand your customers' payment options, simplify your business operations and increase revenue by accepting credit cards, debit cards, electronic checks, gift cards, and other payment options.

Positive Pay

Positive Pay is designed to provide enhanced security over your check disbursement process. You provide a file listing check number, date, amount and payee of each check you have issued. You then send a file to the Bank via their Electronic Banking Positive Pay Module. The check issued information is delivered to the Bank no later than 6:00 pm EST on the day checks are issued. The check file will be processed daily by the Bank against each day’s cleared checks.

Checks that do not match are listed on an exception report via your online banking. Customer is responsible for researching each exception item (check) and instructing the Bank by 11:00 am EST with a pay or return decision. Other benefits include:

Provides enhanced internal controls over physical checks
Identifies posting errors as the occur
Safeguards accounts from any tampered or counterfeit checks
Expedites the month end reconcilement process

Intrasweep Checking

First National Bank of the Gulf Coast’s IntraSweep Account is designed for all commercial accounts, including corporations, small businesses and nonprofit organizations. The account offers competitive money market rates and added measure security with FDIC insurance up to $250,000.00 for each depositor.

The sweep services use an end-of-day process to precisely calculate your daily cash position. If the investable balance exceeds any predetermined target balance, the funds from the checking account are automatically transferred into an investment account. Likewise, if funds are needed to cover checks or other disbursements, a transfer is automatically made from the investment account into the checking account. All funds are fully available each morning, and interest is paid monthly.

IntraSweep investment is made in an FDIC-insured money market account. Reserve Management Corporation acts as your agent in maintaining the First National Bank of the Gulf Coast’s Sweep Account. Reserve Management Corporation has over $40 billion in assets under management.

Mobile Banking iPhone

On the go with an iPhone? Need first class service at your fingertips?

First National Bank of the Gulf Coast now offers a Mobile Banking App designed specifically for the iPhone.

Use the Mobile Banking App to access the standard features of mobile banking while enhancing your experience with the Touch, Pinch, and Flip features of your iPhone.

The Mobile Banking App allows you to:

Check Balances
Check Transaction History
Check Account Details
Make Payments
Pay a Bill
Transfer Money
Check Payment History
Receive Account Alerts

for all First National Bank of the Gulf Coast checking, savings, certificate of deposit, loan, and line of credit accounts.

Prior to installing the Mobile Banking App, you will need to sign up for Mobile Banking by navigating to www.fnbofgc.com and logging into your Electronic Banking Account. This will require your Electronic Banking ID and Password.

Once you are logged into Electronic Banking, click on the "Options" Tab and then select the "Mobile Settings" tab. Complete the required fields and follow the prompts to activate the service with your mobile device.

Standard Messaging, air time, and data charges with your cell service carrier may apply. Availability subject to carrier limitations and phone or device capabilities.