All-in-one banking combines your checking, savings, and loans with integrated banking and wealth services to help you grow and protect your money. It lets you reduce your banking fees, simplify money management, and enables you to make smarter financial decisions by accessing our suite of banking, financial planning, and wealth management services.
What Is All-In-One Banking?
All-in-one banking puts all of your bank accounts and wealth management services under one roof, with a personalized and simple approach to managing your funds. Instead of having multiple passwords and needing to transfer funds across different banks or financial institutions, you can manage it all through our online portal and mobile app, with the guidance and assistance of one of our local bankers. Think of it as a concierge approach to banking and investing.
How Integrated Banking Lets You Grow Your Money
If you’re spreading your funds across multiple banks, you increase the chance of having to pay maintenance fees because of their minimum balance requirements. By consolidating your personal checking, savings, loans, and credit lines with The First through All-in-One Banking, you can save money by reducing or eliminating monthly fees while also reducing your cost of wire transfers and ATM surcharges.
Other benefits of consolidated banking are that you might also earn higher interest by consolidating your savings with us. Our Money Market Accounts offer tiered interest rates, so the more you save, the higher the interest rate you’ll receive—with no fees for balances of more than $2,500. Businesses can save on our business services through reduced merchant service fees and lower payroll handling costs.
Simplify Your Financial Life
Many people say they have too many logins and passwords these days, which is another reason to consolidate all your bank accounts with The First. Having one bank portal also makes it easier to keep track of all your funds through consolidated statements, our easy-to-use online banking portal, and mobile app that you can use to transfer funds between accounts and deposit checks without having to visit a bank branch or an ATM. This also makes it easier to apply for loans and receive faster approvals because you’ll have just one bank to deal with, and all our lending decisions are made right here in the community. Our All-in-One customers also find that having one bank makes their tax filing much easier, as they have fewer 1099s to deal with.
Get Better Financial Advice with a Full View of Your Money
Consolidating your accounts with us makes it much easier for you and your local banker to understand your finances and find ways to save money and earn more on what you save. This might include consolidating loans, finding the highest-yielding account for your funds, or unlocking banking services that could make your life easier and help your money go farther. For example, our wealth management services can provide you with financial planning, investment management, and trust services. We can even help you set up a trust, manage it on your behalf, and serve as executors of your estate.
Wealth-Focused Features That Help Build Long-Term Security
Whether you need help with retirement planning and investing, business banking services, or a combination of both, we can help you manage your funds, build wealth with banking, and obtain the loans you need. Imagine how much easier and faster it would be to apply for a residential or business loan with us if you didn’t have to obtain any financial documents from another bank.
Financial Planning + Investment Management
All-in-one banking gives you easy access to our wealth management services to help you plan for the future, grow your wealth, and set yourself up for a comfortable retirement. Our dedicated wealth management team can work with you to find a balanced portfolio that fits your needs for growth and your risk tolerance. We offer some of the lowest costs available for financial planning and investing, with no hidden fees. We can also handle the administration of your estate to make sure that you and your loved ones don’t have to worry about taking care of their needs and seeing that your affairs are handled the way you want.
Loans That Fuel Personal and Business Growth
When you need a loan for yourself or your business, our all-in-one banking offers the chance for easy approvals and a quick application process with all lending decisions made locally. We can help you find the right loan to suit your needs, whether you need a personal loan or a line of credit to consolidate your debts or pay for a home improvement, a vehicle loan, student loans, or a personal line of credit. Of course, we also offer home loans such as mortgages, construction loans, home equity loans, and home equity lines of credit (HELOCs).
We also offer business growth banking solutions that can help you with a wide range of financial solutions, whether you’re a small business owner, an individual contractor, or a major employer. This includes business checking and savings accounts, with quick and seamless transfers between the two through our online platform or our mobile app. We offer cash management solutions to help you make deposits and create cash flow forecasts to help you run your business. With our credit card processing, you can accept payments from credit cards and debit cards on your cell phone, tablet, computer, or a stand-alone terminal.
Depending on your needs, we can also help you set up Simplified Employee Pension (SEP) accounts so you create an employee pension plan and make tax-deductible contributions. This not only benefits larger businesses, it can also help sole proprietors plan for their own retirement.
We also offer a wide range of business loans such as commercial vehicle loans, commercial mortgages, commercial construction loans, commercial lines of credit, and commercial letters of credit. If your business handles escrow accounts, our Escrow Manager service can save you time and money with account opening, closing, and reporting requirements.
Just like our Personal Banking products, The First has all the tools and resources for small businesses to manage all their financial needs with one bank.
Smart Tools for Monitoring and Managing Goals
By consolidating your banking and investing with The First, you can have a “one-stop shopping” approach and get a clear picture of where you stand. You can quickly transfer funds, pay your bills, and track your balances—all within the same banking platform.
Why FNBN’s Approach Works for You
There’s no need to manage several passwords with different banks or deal with the inconvenience of transferring funds from one institution to another. You can handle all your business and personal banking needs through our online portal and mobile app, or through one of our local bankers. Whether you’re looking to reduce fees, earn more on your savings, or just make handling your money a lot easier, the all-in-one approach makes sense, especially when you know that you’ll receive local, personalized support whenever you need it.
Take the Next Step to Grow Your Wealth
If you’d like to learn more about the benefits of all-in-one banking, please contact us or visit one of our 11 bank locations in Bucks County: Newtown, Newtown-Yardley, Warminster, Richboro, Jamison, Langhorne, Doylestown, Fairless Hills, Wrightstown, Washington Crossing, and Solebury. You can also check out our All-in-one Banking: Simplify blog!
