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Additional Business Services

Cash Management Services

We offer a wide array of electronic cash management services from Merchant Processing and Payroll to Wires and Mobile Deposits.


Overdraft Protection Line of Credit

  • Overdrafts to your business checking account are covered by transfer of available funds from your linked line of credit.
  • Business lines of credit are loans and subject to credit approval.
  • If you overdraw your checking account, First National Bank will transfer funds in $50 increments from your line of credit in order to bring your checking account balance to a zero or positive balance.

First Visa Debit Card for Business

  • First National Bank makes it easy for you to make business transactions anywhere Visa® is accepted.
  • Use it at any of our conveniently-located ATMs to gain access to your cash any time of day.
  • Learn about all the benefits of our VISA Debit Card options here.

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:
  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.


*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

First Phone Banking

Our full-service telephone banking center offers you access to your accounts from 7:00am to 11:00pm weekdays and from 9:00am to 5:00pm on Saturday & Sunday. Call 800.564.3195 to speak to a First Phone Banking associate who will be happy to assist you with your banking transactions over the phone.


Dream First Community Program

Looking for a way to advertise your business locally to a large group of potential customers? Join the Dream First Community Program today! Call 800-564-3195 or stop by your nearest branch for more information.


Self-Service Coin Handling

This time-saving service is free to all customers who maintain a deposit or loan account at First National Bank. We currently have coin counters in all of our branches except Wiscasset.


In addition to the services described above, First National Bank can provide your business with a host of essential tools designed to help you manage your time more efficiently and make your day-to-day operations run smoothly. Ask us about night depository and investment services.


For more information on these services, please call First Phone Banking at 800.564.3195.