FirstBank

FirstBank for Merchants: A Practical Guide to Business Banking, Payments, and Cash Management

FirstBank is the largest locally owned bank in Colorado, with additional locations in Arizona and California. That regional scale is useful for merchants who value local decisions and access to bankers that know the market.

If you want to check practical branch access and ATM coverage before opening an account, the public location finder highlights branches and ATMs across Colorado and Arizona, which is helpful for cash-handling retailers and service businesses.

At a Glance: FirstBank’s Business Banking Stack

FirstBank organizes its business offering around several pillars: business accounts, card acceptance and merchant tools, digital and treasury management, and financing. The bank’s business landing page pulls these pieces together in one place so you can evaluate quickly.

Business Accounts Built for Different Volumes

Business Checking is positioned for small businesses that run a moderate number of transactions each month and want a simple, good-value account. If your activity stays relatively light, a standard business checking setup will usually cover your needs without layering on specialty services you will not use.

For companies with higher activity, Business Analyzed Checking is designed to handle medium to large transaction volumes and connects to more advanced treasury features. An analyzed account also lets you offset activity charges using an earnings credit, which can be meaningful if you maintain larger balances. Merchants that process lots of deposits and payments often find the analyzed structure more economical over time.

If you prefer to keep more operating cash interest-earning while still paying bills from a checking account, Business Money Market Checking lets you earn money market rates on balances and keep liquidity for payroll and payables. That makes it a practical middle ground for seasonal businesses that build cash cushions in peak months and draw them down later.

FirstBank also offers time deposits and sweep options for businesses that hold larger reserves. Liquid Asset Sweep Services can automatically move idle funds into an interest-earning sweep account, so you are not leaving excess cash dormant.

Accepting Payments: Merchant Services and Mobile Tools

For merchants, the ability to take cards and get paid quickly is non-negotiable. FirstBank’s Merchant Services program is the entry point for in-store, online, and on-the-go acceptance. It is designed to make card payments straightforward, so you can spend more time selling and less time reconciling. Typical use cases include countertop terminals, eCommerce gateways, and recurring billing for memberships or professional services.

If your business operates outside the four walls of a store, the Streamline Processing Solution is a mobile payment tool aimed at small businesses that need to accept cards nearly anywhere. Think contractors, mobile food concepts, pop-up retail, home services, and event vendors that value portability without sacrificing reliable authorization and settlement.

Digital Banking and Treasury Management

Modern cash management is as much about control as it is about convenience. FirstBank’s digital services are built around two layers: Business Online Banking for day-to-day visibility and transactions, and Internet Cash Management for more advanced treasury workflows.

• Business Online Banking gives your staff a central hub to monitor balances, schedule payments, and manage user access from your office or anywhere you work. It is the everyday control center for owners and bookkeepers.

• Internet Cash Management (ICM) adds treasury-grade capabilities for finance teams that need to manage multiple accounts and higher payment volumes. It is designed for companies that want more granular controls, including ACH origination and reporting.

Security controls are a critical part of treasury. FirstBank’s ACH Block and Filter helps protect business accounts by detecting and returning fraudulent ACH transactions before funds leave the account. Combined with positive pay on checks, these controls can significantly reduce loss exposure for high-volume merchants.

Depositing checks faster shortens your cash cycle. Desktop Teller supports remote deposit capture from your office so you can scan checks into your FirstBank account without visiting a branch. Retailers with mail-in payments and B2B suppliers that receive checks from corporate clients tend to benefit most.

On the mobility side, the FirstBank Mobile Banking experience supports routine tasks, including mobile check deposit for authorized users, which is convenient for owners who travel between locations.

Instant Payments, Digital Wallets, and ATM Access

Speed matters when you are paying suppliers or receiving funds. FirstBank participates in an Instant Payments network so account holders can receive funds nearly instantaneously at any time, which is useful for just-in-time purchasing and off-cycle payouts.

For cardholders and customers who prefer phones to plastic, Digital Wallet support enables convenient, secure, contactless payments via compatible mobile devices. That can streamline checkout and reduce physical card handling at the point of sale.

If your operation handles cash, ATM access also matters. FirstBank provides access to the MoneyPass network, with a large footprint across Colorado and Arizona and thousands more ATMs nationwide. Your staff can plan cash runs around network locations to minimize fees and time away from the business.

Business Credit Cards and Working Capital

Many merchants rely on business credit cards for everyday purchasing, travel, and expense control. FirstBank offers Visa business credit cards with cashback rewards and benefits so you can separate business spending, set employee limits, and earn on routine purchases. This is particularly helpful for multi-location operators who need to delegate purchasing while maintaining control and visibility.

Beyond cards, FirstBank’s business banking team can help with loans and credit lines that match your operating cycle, such as financing inventory builds ahead of peak sales, upgrading equipment, or renovating space. The bank’s regional focus means decisions stay closer to the market, which many owners value when timing is critical.

What This Means for Different Merchant Types

• Retailers with a mix of card-present and online transactions can pair Merchant Services with Business Online Banking and Desktop Teller. That combination simplifies settlement, deposits, and reconciliation.

• Hospitality and food concepts that operate at events or across multiple locations can lean on the Streamline mobile tool for pop-ups and patios, while using analyzed checking plus ACH controls to centralize cash management and mitigate fraud risk.

• Appointment and membership businesses such as fitness studios, medical practices, and professional services can use recurring card billing through Merchant Services, combine it with money market checking to earn on working balances, and add ICM for scheduled ACH vendor payments.

Operational Efficiencies and Risk Controls

As your payments volume rises, the operational issues that cause headaches tend to be exceptions, not the routine. FirstBank’s treasury controls are intended to reduce those exceptions:

• ACH Block and Filter helps prevent unauthorized pulls before they hit your ledger. That reduces the downstream work of dispute management.

• Positive Pay on checks adds a layer of protection against altered or counterfeit checks, a risk vector that still catches many merchants off guard.

• Earnings credit on analyzed checking can offset activity charges when you maintain balances, which is useful in higher-volume environments where per-item fees add up.

Digital Experience and User Access

From an administrative perspective, you can give staff the access they need without exposing the entire business. Business Online Banking and Internet Cash Management support role-based permissions so owners and controllers can separate duties for approvals and limit the scope of each user. That is a simple but important control for internal risk management.

If you operate in bilingual communities or hire Spanish-speaking staff, FirstBank maintains a Multicultural Banking Center and Spanish Banking Centers in select locations. That can make onboarding and ongoing service smoother for teams and customers who prefer Spanish.

Support, Access, and Local Presence

Merchants often judge a bank by how easy it is to get help at crunch time. FirstBank publishes 24-hour customer service contact details and provides online self-service resources, so you can escalate issues or answer common questions quickly. Combined with regional branch coverage and ATMs, you have multiple ways to get support.

Conclusion

A sensible path is to map your transaction flows first, then match them to FirstBank’s modules. For a typical retailer, that might look like Business Checking plus Merchant Services, Desktop Teller for mailed checks, Business Online Banking for day-to-day operations, and Internet Cash Management when you are ready for ACH origination and more granular controls. If you rely heavily on card-not-present sales or mobile events, add the Streamline mobile solution to keep payment acceptance consistent wherever you sell.