We offer a collection of online and offline tools to our commercial customers to maximize cash flow. Our services assist in managing the inflow and outflow of cash to minimize expenses and maximize profits.
Offers more timely availability of funds, cost and time savings, and security.
Provides an immediate, reliable, and secure transfer of funds.
Offers the convenience and flexibility to manage accounts/finances any time in a secure environment. Save the stamps - pay your bills with our free Bill Pay service! Simply log in at http://www.fgb.net.
Offers the convenience and flexibility to manage accounts/finances any time in a secure environment, using only your internet-enabled mobile phone. Simply visit http://mobi.fgb.net using your phone's internet browser. Mobile code…
Scan the code below with your compatible mobile phone to be taken directly to the First Guaranty Bank mobile web site.
This service is provided to First Guaranty Bank customers free of charge; your mobile phone provider may charge you for internet use. Contact your mobile phone provider for details. First Guaranty Bank is not responsible for charges assessed by your mobile phone provider.
PCI DSS Compliance Requirement
The payment brands (American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc.) have joined together to create the Payment Card Industry Security Council. The PCI Council has mandated that all merchants who store, transmit or process cardholder information must maintain compliance with the PCI DSS. We, as your merchant service provider, understand the risks and financial costs that a compromise can pose to your business. In support of this important mandate, we are requiring all merchants to validate their PCI DSS compliance status with us.
Please visit us on the Web at https://www.pciapply.com/pci_fi_login.aspx to log in to your merchant account and complete the necessary steps to become certified as compliant.
Service24 Telephone Banking allows you to manage your First Guaranty Bank accounts any time, day or night, using your telephone. Any customer with an account at First Guaranty Bank can use this service. More information.
Online and CD-ROM imaging.
Allows idle cash to sweep into a money market daily to maximize interest earnings.
Allows idle cash to sweep to the principal balance on a loan in order to reduce interest paid daily.
Online and CD-ROM imaging.
Order checks online from Deluxe Checks.
First Guaranty Bank offers Overdraft Protection. More information.
OVERDRAFT PROTECTION PROGRAM
Overdraft protection is available on any FIRST GUARANTY BANK Checking account to give our customers protection against returned checks. Select from one of the four plans to ensure you will never suffer the embarrassment of a returned check. Once you have given us the approval, we can handle your transactions for you immediately. You will have the convenience of writing a check knowing there will be sufficient funds in your account as you need them. Overdraft protection means peace of mind to you and protection not only for your checking account but to your credit and reputation as well. This is a small price to pay for the many benefits of this service. The annual fee will be assed at plan acceptance. Funds availability is subject to collected funds in account.
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Plan 1
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You have the flexibility of covering overdrafts from another First Guaranty Bank Checking account, Super NOW account or savings account. You can authorize First Guaranty Bank to transfer only the exact amount needed in your account to avoid an overdrawn status and costly NSF charges. This plan is in effect as long as your designated accounts are in good standing. The cost to you is $30.00 annually. Consumer accounts are charged a $7.00 fee for each daily transfer. Commercial accounts are charged a $15 fee for each daily transfer. |
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Plan 2
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This Plan is available to all customers who have both a First Guaranty Bank Visa or MasterCard and a checking account. Anytime your account is overdrawn, the Overdraft Protection Program will access your Visa or MasterCard line of credit in increments of $100 to cover your overdraft. It is always accessible as long as your credit card agreement is in good standing, and you are within your credit limit. There is a $30.00 annual fee which we debit from your checking account, no NSF charges and only a 4% cash advance fee each time you use this feature. |
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Plan 3
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If you would like to use any Visa or MasterCard other than a First Guaranty Bank card to protect your First Guaranty Bank checking account, you now have capability through Plan 3. We can access your line of credit in increments of $100.00 whenever your account is overdrawn to ensure your checking account remains in good standing. Consumer accounts are charged a $7.00 fee for each daily transfer. Commercial accounts are charged a $15 fee for each daily transfer. The annual fee is $50.00 on consumer and commercial accounts. All fees are debited from your checking account. Applicable fees from your current bankcard issuer may also apply, and the service remains in effect as long as your credit card is current. |
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Plan 4
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This plan is available to all Commercial customers who have both a FGB Commercial Line of Credit and a checking account. Anytime your commercial checking account is overdrawn, the Overdraft Protection Plan will access your Commercial Line of Credit in increments of $100.00 to cover your overdraft. It is always accessible as long as your Commercial Line of Credit is in good standing, and you are within your credit limit. There is a $50.00 annual fee and a $15.00 processing fee for each transfer. Applicable fees from your Commercial Line of Credit may also apply, and the service remains in effect as long as your Commercial Line of Credit is current. |
Account transfers are subject to normal service charges and account transaction regulations.