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Cash Management

Let’s ensure your business is running at peak efficiency. Our suite of cash management services will help you streamline while saving you time, money and effort.

  • 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 check images on a CD with your monthly statement
  • Fast and easy, each image is captured digitally, allowing you to easily store the data for future reference
  • 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