Cash Management Solutions

Merchant Card Services

  • Provide additional payment options for your customers
  • Process all Visa®, MasterCard®, Discover® and American Express® credit cards
  • Process all debit cards and gift cards
  • Boost your bottom line by making it easier for people to pay you
  • Next-day settlement for merchant batches
  • Reduce processing time and human error
  • Reduce billing expenses
  • Equipment is easy to use and set up
  • Streamline billing and record-keeping
  • Wireless terminal available
  • Tablet-based solutions available

Remote Deposit Capture

  • 24/7 anytime convenience
  • Deposit checks directly from your desk
  • Faster access to funds as soon as your check clears
  • Sophisticated security and data transmission protocols
  • Save time and money on an unnecessary commute
  • Streamline account receivable processes
  • Consolidate deposits from multiple locations
  • Affordable desktop scanning options available
  • Application and approval process required
  • Contact us for additional information

ACH / Wire Transfers

Liquidity Solutions

Account Transfers & Automatic Sweeps

  • Several sweep options to choose from
  • Earn interest on collected funds while maintaining liquidity
  • Excess funds are swept to an investment account each night to maximize your earnings
  • Funds are then swept back the next morning for use

Zero Balance Accounts

  • Perfect for companies with multiple divisions, stores, or operating units
  • More than one ZBA can be linked to the primary account
  • Multiple account balances are concentrated into one, centralized account
  • Funds are disbursed to individual ZBA accounts only when necessary to cover checks or debits
  • Concentrate funds, eliminating idle balances and simplifying account management
  • Maintain required balances for disbursements while maximizing excess balances
  • Transactions flow through separate accounts for audit purposes while balances are consolidated for funding
  • Eliminate the need for manual transfers between bank accounts
  • Separate statements for each account

Digital Account Management

Mobile & Text Banking

Instant and secure access to all of your account information

  • Free unlimited number of bill pay transactions
  • Transfer funds between your accounts anytime
  • Deposit checks with our mobile deposit capture feature
  • Find any of our convention locations

Bill Pay

  • Fast, free, and secure service for business customers
  • Save money on postage fees with online bill pay
  • Instant access to deposit, savings, and loan balance information
  • View detailed account history
  • Transfer funds between accounts
  • Export transaction data to many financial software programs
  • Simplify account management
  • Save time; avoid unnecessary trips to a branch
  • QuickBooks exports and account alerts also available through online banking

Fraud Prevention

Positive Pay

  • Catch fraudulent activity before the money leaves your account
  • Simple, back end process
  • Automatically compares checks presented for payment to those in your check issued file
  • Sends alerts when a mismatch occurs
  • You decide whether or not to approve the payment
  • Timely return of money should fraud occur
  • Enjoy increased peace of mind knowing your information is benefitting from enhanced security

Account Reconciliation

  • Ideal for businesses handling and issuing a large number of checks
  • Improve audit control
  • Streamlines back room functions, reduces costs
  • Maintain up-to-date records
  • Receive monthly reports; downloadable data files customized to meet your business needs
  • Audit control over funds collection and disbursement:
    • Cleared checks
    • Deposits only
    • Issued checks not cleared
    • Other items posted
  • Catch errors early; increased accuracy
  • Maintain internal controls
  • Expedites record checks

Online & Mobile Security

To learn about online and mobile security, please visit our customer service center.

Online Banking

Choose your banking account type

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