Our Lending Team
Thomas Winning
Nickey Owens
Andrew J. Moss
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Business Online

FNB Germantown’s Business Online Banking allows you to spend less time managing your business finances and more time to run your business. Business Online features Bill Pay, Account View, and User Access, designed so you can organize and manage the finances of your business operation.

Bill Pay - Avoid spending time and money writing checks and buying stamps. With online Bill Pay you can:

Make one-time payments
Setup automatic payments for recurring expenses
Schedule email alerts for payments you don’t want to miss,
Use overnight check when payment needs to arrive the next day
No additional fees for this service or per item fees unless you use the overnight check service. No additional fees, no postage, no hassle bill payment!

Account View - Get a quick and complete view of all business accounts at FNB Germantown on a single screen. And with Account View you can see your business:

Checking, savings, and loan account balances
Upcoming payments and transfers you have scheduled
A cash in and cash out picture of your business accounts with a pie chart of spending
The option to select how you want to view the information on your home screen.
Account View lets you organize how you want to see the financial information from your FNB Germantown accounts. You control what user access you allow to your FNB Germantown accounts. Employees, bookkeepers, and accountants may need to access your business accounts to do their jobs. FNB Germantown’s User Access gives you the control you need to authorize each employee’s access to your business accounts and manage their level of online permission.

View Only Access – allows employees to view account data but only you can conduct transactions from the account
Security Controls  - allow you manage access permissions you have authorized including deactivating or deleting user access when required
And there is even more! Now you can transfer funds between your FNB accounts and accounts at other financial institutions; initiate ACH transactions and establish templates for standard and recurring ACH batches you create. All designed to save you time while putting you in control of your business finances.

Contact us to learn how FNB Germantown's Business Online can help your business save time and money!

Business Lending 

FNB Germantown has been making loans to businesses and farmers in the Germantown area for over 150 years. We believe by helping  businesses and farmers in the Germantown area successfully achieve their dreams we help our community grow and prosper. These are core values we embrace in our business lending activities.

We are  locally owned and operated and committed to helping our community and the businesses in it grow and prosper. Loan decisions are made locally and you will find our lenders easy to meet with either at the Bank or at your place of business. We like to learn about your business first hand as it helps us better understand your borrowing needs and requirements.

Loans we frequently provide include:

Working capital lines of credit for seasonal needs in your business operation
Equipment loans and asset based lending for longer term borrowing
Commercial real estate loans for your business facilities
Term loans for expansion
Agricultural production loans
We would love to learn how we could help your business or farm grow and prosper. Contact one of our lenders at 937-855-4151. 

Business Checking

Order Checks


 Business CheckingeBusiness Checking
Opening Deposit $100 $100
Online Banking & Bill Pay Included Included
ACH Services Included Included
Business Debit Card by VISA Included Included
Access to Alliance One ATMs Included Included
Anywhere Bank Phone Access Included Included
Service Charge $8 - See Terms None - See Terms