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The Automated Clearing House (ACH) Network is a nationwide electronic funds transfer system between financial institutions. Commonly referred to as Direct Deposit or Direct Debit, this system allows you to send or receive money directly to deposit accounts.



Stop writing checks to pay your employees! Set them up with Direct Deposit.
  • Convenience
  • Guaranteed payment (debits)
  • Reduction in services fees
  • Reduction in administrative costs (credits)
    • no more checks to make
    • no more checks to sign
    • no more checks to store
    • no more checks to reconcile
  • Increase in employee productivity




Direct Debit can be used to reduce the cost of processing payments received through the mail. Instantly you get a reduction in time spent on opening mail, balancing and preparation of bank deposits. FNB's Direct Debit also helps you save your customers time and money, and gives the added benefit of establishing an excellent payment history.

Benefits for Your Customers
  1. Less checks to write
  2. Less postage
  3. Saves time
  4. Payments always made on time even when on vacation
  5. Establishing an excellent payment record