Treasury Management

Online Banking

We offer a robust online banking site that can handle the needs of businesses, big or small.

• Check account status and review activity
• Place stop payments
• Transfer funds between accounts
• Pay bills, make payments and get loan advances
• View cleared check images
• Access treasury management services like eACH and Positive Pay
• Choose to receive your bank statements electronically

eACH

Our business clients can send and receive funds using the electronic Automated Clearing House (eACH).

• Use our eACH feature for repetitive income or outgoing payments
• It's an efficient way to handle items like direct deposit of payroll or rent collections
• Protect your business from check fraud, simplify reconciliation and improve cash flow

eWires

Initiate and schedule USD wire transfers from the convenience of your desktop.

• Initiate and schedule wire transfers, both domestic and international
• Receive email alerts regarding their status
• Save money as eWires cost less than manual wire transfers 

scanDeposit

Make your bank deposits without visiting the bank.

• Deposit checks from the convenience of your office desktop
• Use a simple scanning device to deposit checks electronically
• Increase efficiency and security while improving your cash flow
• Same-day availability of funds

Investment Sweep Accounts

Put your funds to work every night and have them automatically “sweep” back into the account when needed.

• Automatically transfer funds daily
• Sweep between an operating account and a related investment account or line of credit
• Efficiently manage cash resources
• Enjoy maximum flexibility with higher earnings potential
• Sweep accounts use our Collateralized Liquid Account, which is not FDIC-insured (ask us for details and current rates)
• $1,000 minimum to open
• $100 minimum balance to earn interest
• $50 per month base charge for deposit sweeps
• Ask us about line of credit sweeps

Positive Pay

Make sure you issued a check before you pay it with our automated system.

• Use our automated online system
• Compare issued checks with checks presented for payment
• You make a pay/no-pay decision
• Prevent check fraud and facilitate timely pay/return decisions

Zero Balance Accounts

Keep your cash where you want it, right when you need it.

• Manage your deposits and fund disbursements in a cost-effective way
• At each end of day, automatically transfer funds out of any sub-accounts into a central concentration account, so that sub-accounts balance at zero
• Manage sub-accounts individually while keeping a concentration account to centralize cash flow

Merchant Services Credit Card Processing

We'll make sure that taking credit and debit payments won't slow you down.

• Maximize your sales potential by accepting credit and debit cards for payment
• We will help initiate and administer a time-saving merchant account for all your credit card processing needs

Payroll Processing

Payday should be a good day for you too.

• Avoid complicated payroll issues
• We can set you up with a comprehensive payroll processing solution to minimize paperwork
• Eliminate payroll and tax filing headaches

Other Services

• Cash Vault Services
• FedPayments Reporter

We offer additional solutions to meet your needs.  Ask us for details.