Business Banking

Speed up collections, improve cash flow, simplify your internal reconciliation process and maintain one concentrated account. We provide the following products to help you achieve maximum cash flow:

ACH (Automated Clearing House)
Common uses of ACH are for Direct Payroll Deposit, state and federal tax payments, concentration and disbursement, electronic payments and collection.

Lockbox Services
Accelerate the flow of your receivables with our lockbox services. You can make a substantial reduction in float and increase your investment opportunities at the same time.

Zero Balance Accounting (ZBA)
Centralize control of your cash balances, eliminate unproductive balances, reduce clerical time and expense, and provide audit trails of your collections and disbursements. Our ZBA allows you to keep various expense or deposit accounts separate while maintaining a centralized pool of funds. You can transfer excess funds above a predetermined balance into a centralized account.