Business Banking

Control your cash outflow, increase employee productivity and control your disbursements by utilizing the following products:

Controlled Disbursements
Increase the cash available for investments or reduce your borrowing requirements by knowing the exact funding necessary to cover your checks on a day-to-day basis.

ACH (Automated Clearing House)
Electronic Payments
Save time and paperwork by using electronic payments for state and federal tax payments and other disbursements.

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.

Loan Sweep
Prevent overdrafts and ensure that excess funds in your checking account are being utilized to reduce interest expense. Loan Sweep will automatically advance on your line of credit when your checking account drops below a predetermined balance. Conversely, it will pay down the principal on your line of credit with excess funds in you checking account.