Business Banking

A Benefit For Businesses

ACH Origination is the digital key for all your transactions in the online environment. A perpetually-refreshing password feature adds an extra level of protection for your business.

Payroll Direct Deposit

This feature offers the convenience of making employees’ funds available on regular pay schedules, even during time out of the office.

Disbursements

Individual and corporate account payments are streamlined by depositing funds to a preselected financial institution.

Collections (Pre-Authorized Payments)

Replace paper invoicing and maximize customer funds availability by debiting customers’ accounts electronically.

Cash Concentration

This funds-collection system lets you consolidate account deposits from multiple banks into one central operating account.

Easy. Secure.

There’s no need to imagine being able to manage your multiple business accounts in a single online environment. It’s simply reality with our Cash Management service. Multiple security levels and comprehensive training for those needing access are included.

Security

Our system utilizes 128-bit encryption and Secure Socket Layer (SSL) protocols.

User Management

You appoint an internal Internet Banking Administrator to manage all users; users can be assigned / restricted to only those functions required for their specific duties.

Monitoring

During the login process, we continually monitor our site. If suspicious activity is recognized, we prompt user authentication through preselected secret questions.

Simple is smart.

Doesn’t it make sense to keep all customer payments (online, credit, check, gift cards & so on-together? With your bank? Well, we think so. Merchant Services is a one-stop shop for payments. Brilliant.

Credit and Debit Cards

We arrange acceptance services with MasterCard, Visa, JCB, American Express, Discover, Diners Club, fuel cards and EBT cards.

Gift Cards

Loyalty card programs can be tailored just for you.

Processing Options

Beyond basic processing equipment, we offer smartphone,

tablet, wireless and online processing solutions.

Merchant Services

No blindsides.

Preventing fraud is tricky. Let’s work proactively together, and on a granular level, to determine what specific check and ACH activity is allowable for your business accounts...and what isn’t. We call it Positive Pay. If we detect any sneaky surprises, we’re all over it.

How does it work?

When checks or ACH transactions are presented for payment, Positive Pay matches the check / ACH information against an “ok” list previously provided by your business. Automated validation ensures each item is legitimate or, in the case of an exception, the item is manually reviewed and a pay or return decision is made.

Positive Pay provides multiple security layers and detects unauthorized items, thereby improving the reconciliation process.

Positive Pay Training Guide

Snowflakes.

No two are exactly alike. Ever. Just like employees. Choices are a big deal. ReadyFUND$ provides payroll options, allowing your team to receive 100% of their paycheck on a MasterCard debit card.

Employer Benefits

Improve retention and morale; reduce / eliminate paper checks; streamline payroll; reduce bank fees; prevent lost, counterfeit or stolen paychecks; what’s not to like? And it‘s  a NO-COST benefit.

Employee Benefits

100% of pay accessible at no charge*; ability to make unlimited point-of-sale purchases (signature, debit, cash back); save on banking / checking fees; busy schedule-friendly.

*Certain ATM fees may apply.

Supper is a lost art.

After-hours deposit runs and sitting in rush hour traffic mean one thing: cold leftovers. Gross. Use a scanner (and other equipment-from work to send your checks digitally. It’s efficient, comes with local support, and you’ll be home in time to unleash your inner chef.

Maximize Funds

Consolidate multiple-location deposits into one account.

7pm Cutoff

No frantic rush to make same-day deposits. Deep breath.

Save Money

...by saving time. Remote Check Deposit even helps balance deposits.

Efficient

Dedicate staff to your business, not making the deposit.

Training

Our installation experts provide easy step-by-step training.

Too bad it isn’t on vinyl.

Having all your statement records on a searchable compact disc comes in a pretty close second, though. CD-ROM Statement Imaging makes locating transactions and check/deposit information easier than finding your old Hootie or Garth CDs...

Comprehensive

The CD-ROM is a complete statement record, helping with account reconciliation, research and record retention.

Searchable

Statements, checks and deposits --both the front and back side of all-- are archived as images that can be viewed and searched.

Downloadable

Grab any information you like from the CD, and download it straight to your accounting software.

Imagine, if you will...

...a scenario in which all your business banking accounts automatically deposit into one account, without you having to keep constant tabs on them. Oh, wait. That’s a thing. And it’s completely fantastic.

Zero Balance Account (ZBA)

After deposits and payments are presented for the day, an automatic transfer initiates, ‘sweeping’ excess funds to or from a master account in order to restore all sub-accounts to a zero balance. ZBA eliminates manual internal transfers, helps prevent overdrafts, provides maximum control over balances and funding, and allows for separate accounting.

Ruler of the realm.

It’s your office. Your space. Your building. It’s your very own micro-kingdom, so it’s your call. Time to purchase a new place? Refinance your current loan? Expand? Open a new location? Time to go for it, Your Majesty.

• Fixed / variable interest rates available*
  
• Amortizations up to 20 years
  
• SBA 504 financing available
  

*Some applications may require further consideration and additional information may be requested. Credit is subject to approval. Normal credit standards apply.