Cash Management

Line of Credit Sweep

• Our sweep service links your business checking account to your commercial loan for automatic, daily pay-down and draw-down decisions. Reduce your interest expense while saving the valuable clerical time involved in manually processing loan payments and draw-down requests!

Zero Balance Accounting (ZBA)

• Eliminate the need for manual transfers between checking accounts by linking two or more accounts to combine funds while maintaining individual audit trails. Each night all linked accounts are automatically brought to a zero balance by either funding deficit balance accounts from the master/concentration account or by moving excess balances held in linked accounts to the master/concentration account.

EDI Reporting

• Reduce the time and costs associated with posting and reporting of EDI payments with the help of EDI reporting. This is an ideal service for customers that receive federal, state, insurance, or healthcare payments electronically.

Automated Clearing House (ACH)*

• ACH collections can help streamline the collection of funds and improve efficiencies in your accounts receivable system. Take advantage of the ACH system by collecting payments electronically. Typical ACH collections include health club memberships, association dues, loan payments, utility payments, contributions to non-profit organizations, and cash concentration.

Office Deposit—Remote Deposit Capture*

• Enjoy the freedom of scanning checks for deposit and transmitting the images directly to us—right from your computer and whenever it’s convenient for you! Increase employee productivity by reducing the time and travel needed for bank visits and reduce your reliance on multiple bank relationships to support remote locations. What’s more, images of deposited items are at your fingertips!

Wholesale Lockbox

• Accelerate the collection of your receivables and save yourself valuable clerical time. You receive fast and accurate credit to your account. Our service includes image capture that utilizes state-of-the-art hardware and software to capture the image of the check and the invoice. These items are available for you to view the same day they are processed.

Retail Lockbox (OCR)

• Retail lockbox service uses optical character recognition (OCR) to collect payments and capture the remittance data. We provide you with an electronic output of your remittance data and special reports that automate posting to your accounts receivable system.

Merchant Services*

• Through our strategic partnership, we offer you a secure way to accept all major credit and debit cards with card processing solutions for ecommerce, retail, and business-to-business.

ZRent and ZDeposit

• Designed for landlords and property managers, ZRent and ZDeposit give you streamlined and convenient yet robust online tools for managing security deposits, rent payments and condo fees for your properties! ZDeposit simplifies and automates the opening of security deposit bank accounts in a compliant way, while ZRent takes the hassle out of collecting rent and dues by automating payments from your tenants’ accounts to yours.

*Services require review and approval. Not all customers are eligible for these services.

Wire Transfers

• Online movement of funds makes it possible to move money globally with a high level of security and minimal clerical effort. Domestic and international wires are available through eBusiness Solutions.

Positive Pay

• Today’s technology creates new avenues for fraud, which can be costly and time consuming. Positive Pay can help protect you by preventing unauthorized checks or ACH transactions from posting to your account. Both Check Positive Pay and ACH Positive Pay are integrated with eBusiness Solutions to provide a single login to Positive Pay protection..

Automated Clearing House* (ACH) Origination

• Today’s technology creates new avenues for fraud, which can be costly and time consuming. Positive Pay can help protect you by preventing unauthorized checks or ACH transactions from posting to your account. Both Check Positive Pay and ACH Positive Pay are integrated with eBusiness Solutions to provide a single login to Positive Pay protection.

Account Reconciliation

• Let us help simplify and streamline your month-end reconciliation efforts with our full or partial account reconciliation service.

ACH Debit Block

• If you choose not to have any electronic debits post to your account, establish an ACH Debit Block to block every incoming ACH debit, without exception. ACH Debit Block is typically used with money market and savings accounts.

*Services require review and approval. Not all customers are eligible for these services.