Cash Management and Electronic Commerce

CASH MANAGEMENT & ELECTRONIC COMMERCE

Now you can have 24-hour access to real-time account information from the convenience of your personal computer. Cash Management is convenient, easy to use, and more secure than ever.

View account balances, check images and history
24-hour access to checking, savings, loans and CDs
Export history to financial software or spreadsheets
Transfer funds between accounts
Pay bills online
Request stop payments
Safe and secure
Cash Management
Remote Deposit
Positive Pay

SEE OUR DEMO on Online Banking for more information or call toll-free 844-494-4655.

ACH (Automatic Clearing House)

ACH (Automated Clearing House) Batch

Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. ACH credit transfers include direct deposit, payroll and vendor payments.

Create ACH Batch Templates
ACH record maintenance
Process ACH Batch Files
Import ACH Files
ACH Management

Remote Deposit

Remote deposit refers to the ability to deposit a check into a bank account from a remote location, such as an office or home, without having to physically deliver the check to the bank.

Deposit checks right from your desktop. Save time preparing deposits. Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks.
Streamline cash flow. Deposit checks into a central corporate account regardless of remote office or storefront locations.
Reduce risk of check fraud. Faster check clearing may allow you to act sooner on returned checks, increasing collection opportunities.

SEE OUR ONLINE DEMO

POSITIVE PAY

Positive Pay is the most effective method available to protect against financial loss due to check fraud. As the fraudulent production of checks becomes increasingly easy, positive pay and automated account reconcilement services are critical to protect against fraud.

Monitor and detect unusual or unauthorized disbursement activity by comparing paid items against issue information to identify any discrepancies.
Provide reports. You and the Bank have convenient and extensive reporting capabilities.
Streamline the process. Online posting and the Internet enable a more efficient process for handling fraudulent checks.
Download a paid item file on a daily basis, as well as provide us, the Bank with a daily issue file detailing outstanding items. This helps control which checks are paid against your accounts, and guards against losses due to altered and counterfeit checks, as well as unauthorized items.

TOKENS

With MFA (Multi-Factor Authentication) Security Tokens, a small, lightweight device generates a series of random numbers that serve as a one-time password. A step up from the traditional and seldom-changing static password, the one-time password changes each time a customer logs in.

Security Tokens are powered by battery, providing a cordless “air gap” between the token and the network.
Tokens are also portable and cannot be duplicated, remotely hacked or spoofed.
Tokens are activated and distributed by the bank.
It takes just a few seconds to provide the token’s serial number and define a personal identification number (PIN).

A security question and email address are also collected to assist in reporting a lost or damaged token.