Cash Management

Economic Survival Requires Tools & Information
Stay Ahead of the Game with Smart Cash Management

Cash Management Services
  • Analyzed Checking Accounts
  • Account Information Inquiry
  • Account Reconciliation
  • ACH Origination (electronic fund collection and disbursement)
  • Remote Deposit Capture
  • Cash Concentration
  • Direct Deposit
  • Merchant Bankcard Processing 
  • Online Loan Payments
  • Statement Retrieval 
  • Line of Credit or Investment Sweep Accounts
  • Zero Balance Accounts
  • Positive Pay

Analyzed Account Option

  • Use average collected balance of all non-interest-bearing accounts to earn credits that offset Bank charges.
  • Excess earnings credits may be used to offset the cost of additional services.

ACH Processing

  • Take advantage of the speed, accuracy & efficiency of electronic payments and collections.
  • Utilize ACH credit for electronic payment disbursement and electronic tax payments.
  • Direct deposit into employees checking or savings account.
  • Reduce check storage costs.
  • Collect payments electronically; streamline remittance processing.
  • Less exposure to check fraud.


  • Deposit checks without leaving the office with our electronic check scanner.
  • Realize faster funds availability
  • Improve working capital management
  • Free up staff time
  • Reduce risk
  • Transmit deposits up to 6 p.m. for same business day credit

Positive Pay

  • Fraud Control - Dramatically reduce the possibility of check and ACH fraud.
  • Check & ACH Verification - All items presented for payment are verified; including checks presented at our banking offices.
  • Protects your business against lost or stolen checks and prevents payments for duplicate checks.
  • You have control to make decisions about whether to pay or return exception items.
  • Ability to reject unauthorized payments before the loss is incurred.
  • Improves accuracy of deposit balancing
  • Simplifies accounts payable process
  • Saves your business time and money

For complete Cash Management and Online Banking that fits your unique needs, contact:
Andy Klink
VP/Cash Management Officer
Phone: 360-514-5069