Treasury Management

ACH Origination

With ACH Origination you can create electronic payments and deposits.  These transactions can either be debits or credits.  Example of these transactions: 

Payroll Benefits

Direct deposit makes payday simple for your employees. No more heading out to deposit or cash their paychecks – It’s already in their accounts.

• Because there is only one debit to your business account at end of the month, there are no payroll checks for your accounting department to reconcile
• Your business will use far fewer checks, and you no longer need to sign all of those paychecks
• You won’t need to reissue checks or place stop payments on lost payroll checks 

ACH Debit Payments

Examples of recurring payments could include monthly utilities, fitness club dues or other memberships, property management fees, donations, and other continuing payments.

• Your payments arrive on their due dates
• You have immediate access to funds
• Eliminates the need to send out additional notices or pay collection fees 

Vendor Payments

ACH Origination can also be used to pay your bills to other third parties such as vendors and suppliers or customers. It eliminates paper checks and provides a more efficient way to manage bill payments. 

Wire Transfer

With Wire Transfers you can electronically send funds while still maintaining the efficiencies associated with the fast and secure movement of money.  

• You can send both domestic and international wires
• You can initiate domestic wires online with dual control availability, giving your business the opportunity to separate authority.

Business Bill Pay

When you’re in business, saving time is saving money. That’s why we created Business Bill Pay services that help your business save money by eliminating things that take time—like bill preparation and check writing. With Business Bill Pay, you can pay expenses quickly and easily online.  

• Track payment history and account balances
• Set up and manage recurring payments
• Make person-to-person and bank-to-bank payments
• Pay individuals electronically by simply sending them an email/text message
• Receive alerts when bills are due via text, email, or both

Remote Deposit

With Remote Deposit you can now scan, image, and deposit your checks electronically which eliminates a trip to the bank. Additional benefits include: 

• Speed, savings, convenience and security
• No need to purchase, install or maintain software
• Improve efficiency and profitability

SmartPay Express

SmartPay Express makes it easier for small businesses, nonprofits and other organizations to accept online payments or donations. It’s an ideal option for businesses looking to expand their revenue stream without access to or a need for shopping cart functionality. 

• Provides a secure, hosted payment acceptance portal that can be custom-branded for any small business or nonprofit organization
• Requires minimal amount of technical setup to link from an existing website
• Allows processing of a variety of payment types: single or recurring payments from a checking or savings account or even a debit or credit card
• Permits your customers to view information about past payments or donations

Mobile Remote Deposit Capture

With Mobile Remote Deposit Capture you can deposit checks electronically into your business accounts without visiting a branch or ATM.  The deposit can be done anywhere with the use of your Smartphone. 

 Merchant Services

Whether you accept payments online, by phone, in-store, or on the go, we have a solution that’ll fit your business.

Sweep Services

Zero Balance Account

Manage the disbursement process with Zero Balance Accounts. Transfer money from the funding account automatically to cover disbursement made on the Zero Balance Account. Manage funds in one special purpose account conveniently.  

A Loan Sweep provides an automated method of managing excess funds with a Line of Credit. Excess funds over a specified sweep point are swept from the checking account to pay down the loan. A loan advance will automatically occur if the checking account balance falls below the established sweep point.  

VISA® Business Cards

We offer a variety of business credit cards to meet your business needs. Separate your business and personal expenses while you enjoy:

• Free 24/7 online access for managing your account. Your Authorized Company Representative can view transaction activity and history, pay your bill, set up your alerts and more.
• Free management reports to help you track expenses, monitor your spending, spot tax deductions, prepare your tax filings and forecast expenses more easily.
• Cash flow management with the flexibility to cover the cost of supplies, equipment, travel and more.  
• Rewards for every dollar spent with no annual fee!