Cash Management

• Offset your monthly checking and Cash Management fees by receiving an earnings credit based on the available collected funds in your checking account.
• Access to the Cash Management portal online and its many products and services

• Conduct a number of outgoing payments 24/7, electronically:
  • Directly deposit employee payroll
  • Make vendor payments
  • Pay state and federal taxes
• An up-to-date record of transactions is available via online banking or account statements
• Schedule one-time or recurring outgoing payments
• Efficient and accurate processing, providing more visibility to your cash position
• Improve cash flow
• Increase productivity by automating processes
• Cut down on employee resources and time
• Increase accuracy; reduces human error
• Eliminates wastes and expenses associated with paper checks

Also included:

• ACH filter allows businesses to set up custom filters for specific ACH originators or to block all ACH debits from posting
• Preauthorized debits electronically collect your accounts receivable payments utilizing ACH

• Greater peace of mind; electronic fraud prevention
• 24/7 monitoring
• Gives you the choice to allow or return ACH debits based on the criteria you define:
  • Allows you to block all ACH debits from selected accounts
  • Allows ACH debits from those companies you designate
• Flags and holds transactions that seem out of the norm

• Receive remittance information for electronic payments posted to your deposit account
• Includes detailed transaction information of ACH activity received
• Customized alerts available

• Streamline your payment collection procedures by having us process your accounts receivable payments
• Reduce staff time in receiving and preparing daily deposits.
• Customizable to your needs

• For smaller volumes, use your mobile device to securely deposit checks with Mobile Deposit 
• For larger volumes, use a scanner to make check deposits electronically from your business with Remote Deposit Capture

• Improve cash handling at your business with online access to collected, available and ledger account information

• 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 receiving increased security

• Receive and send funds securely bank to bank with international and domestic wire transfers
• Provide additional security to your accounts with dual–control approval authority
• Domestic wires may be initiated thru our Cash Management online portal thru a Wire Transfer Agreement or in person
• International Wires may be initiated thru a Wire Transfer Agreement or in person
• Please contact us for further information

• 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