Cash Management

Business Tools & Information

Stay ahead of the game with Smart Cash Management

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Cash Management Services

• Analyzed Checking Accounts
• Account Information Inquiry
• Account Reconciliation
• ACH Origination (electronic fund collection and disbursement)
• Remote Deposit Capture (e-Deposit)
• Cash Concentration
• Direct Deposit
• Merchant Bankcard Processing
• Online Loan Payments
• Statement Retrieval
• Line of Credit or Investment Sweep Accounts
• Zero Balance Accounts
• Positive Pay
• Online wire transfers

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Analyzed Account Option

• Use average collected balance of all non-interest-bearing accounts to earn credits that offset Bank charges
• Excess earnings credits may be used to offset the cost of additional services

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ACH Processing

• Take advantage of the speed, accuracy & efficiency of electronic payments and collections
• Utilize ACH credit for electronic payment disbursement and electronic tax payments
• Direct deposit into employees checking or savings account
• Reduce check storage costs
• Collect payments electronically; streamline remittance processing
• Less exposure to check fraud
  

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e-Deposit

• Deposit checks without leaving the office with our electronic check scanner
• Realize faster funds availability
• Improve working capital management
• Free up staff time
• Reduce risk
• Transmit deposits up to 6 p.m. for same business day credit
  

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Positive Pay

• Fraud Control - Dramatically reduce the possibility of check and ACH fraud
• Check & ACH Verification - All items presented for payment are verified; including checks presented at our banking offices
• Protects your business against lost or stolen checks and prevents payments for duplicate checks
• You have control to make decisions about whether to pay or return exception items
• Ability to reject unauthorized payments before the loss is incurred
• Improves accuracy of deposit balancing
• Simplifies accounts payable process
• Saves your business time and money

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