LEDGERLINK · Business Banking

The First National Bank of Williamson · yourfnbonline.com · on the Tug Fork since 1905

One login. Every ledger.

Your commercial customers sign into four portals before their first cup of coffee. Your competitors at the regionals have been promising single sign-on for a decade — and billing eight figures for the privilege. LEDGERLINK gives you that trophy now, and adds the fraud protection every corporation in the country should already have.

You don’t need a $100 million core contract. You need a bridge. We build bridges.

See the Hetzel demo Bank Ops Desk

The four-logins problem, solved with one bridge

FNB Online Banking

Core accounts

Separate password

FX Desk Portal

EUR settlement

Separate password

Lockbox Website

Remittance files

Separate password

Brinks Portal

Armored deposits

Separate password

LEDGERLINK Client Command

One login. Core accounts, FX, lockbox, armored cash, and QuickBooks — rolled up across all four Hetzel entities, with every number stamped with its source and freshness.

$4,287,340.18 · reconciled across 11 accounts · live

ONE SIGN-ON.

The customer logs in once. Bank accounts, FX, lockbox, cash logistics, accounting — one pane of glass, rolled up across every holding company they own.

BRIDGES, NOT BOLT-ONS.

We build and own the file bridges the big cores gatekeep. Positive Pay first. Priced like a service, not a ransom.

BUILT BANK-GRADE.

Read-only aggregation by default, encrypted end to end, exception-based controls, and a production engineering bench of 44 AI engineers behind every deployment.

Positive Pay

Check fraud attempts rose 3× since 2020 — and your competitors' clients are protected. Yours aren't. Yet.

Every check your customer issues is registered before it can clear. When a check is presented that doesn't match — wrong amount, altered payee, duplicate — it stops at the window and your customer decides: pay or return. By 2:00 PM, or it returns automatically. Stop a bad check before it clears.

Live in the Hetzel demo

Check #10241 — caught at the window

Issued to Tri-State Produce Co.: $1,847.20
Presented as Tri-State Produce LLC: $8,147.20
Fraud stopped before it cleared: $6,300.00

Safety & soundness, in plain English

Read-only by default

Aggregation never moves money. Payments happen only inside the bank’s own rails, with dual approval.

Encrypted end to end

In transit and at rest. Credentials are never stored for file-based sources — SFTP key exchange only.

Isolated per bank, per customer

Row-level security at two levels: your bank’s data is walled off, and each customer’s data is walled off inside it.

Evidence, not promises

Hash-chained audit log with exportable evidence. MFA mandatory. SOC 2 Type II program underway with milestone dates.

Read the full security one-pager

Bigger than we look

Architecture and product by the principal consultancy. Production engineering by our delivery partner — a 44-engineer AI engineering organization providing 24/7 production support, security hardening, and multi-layer code verification.

production engineers

PhD-level

24/7

production support

SOC 2

program underway

The delivery model

See it working, with real numbers

The Hetzel Holdings demo: four entities, eleven accounts, one cash position that foots to the penny — and a bad check stopped at the teller window this morning.

See the Hetzel demo