Treasury Management

Remote Deposit Capture

With Remote Deposit Capture, you can deposit your checks into your bank account without ever having to leave the convenience of your own home or office. In addition, you can eliminate mail or courier fees and armored car expenses associated with transporting deposits.

Authorized users for your business will be able to:

• Scan checks for deposit 24/7 and receive same day credit for deposits made before 7:00 p.m. CST
• Receive email confirmations when a deposit has been submitted
• Control User capabilities
• View detailed reports of deposits made

Positive Pay

Positive Pay is an anti-fraud system that can identify counterfeit or unauthorized checks at the time they are presented.

Positive Pay provides you with a strong line of defense to minimize the risk of loss by identifying checks that have the account number, check number, payee, or dollar amount altered.

• Upload Positive Pay check files up until 8:00 p.m. CST
• Email notifications will be sent for checks presented for payment that do not match the items listed in the Positive Pay file by 8:30 a.m. CST the next morning. You will then have until 11:00 a.m. CST to either pay or not pay the presented item.

ACH Origination

ACH Payments are simply electronic transfers from one account to another. Our ACH Origination system enables you to make quick, secure and reliable payments whether you are doing payroll, paying invoices or collecting payments.

With ACH Origination, you can:

• Increase your cash control
• Gain better payment predictability
• Eliminate the potential of checks being lost, stolen or damaged
• Schedule files effective for next day up until 4:30 p.m. CST or schedule for a future date
• Schedule Same Day files up until 11:30 a.m. CST.
• Create and manage ACH templates for easy ACH transmission
• Set up dual approval access for additional security measures
• Access ACH file history up to 60 days

ACH Positive Pay

As more and more payments are handled electronically, the opportunity for ACH fraud is also increasing. Even though you may only provide account information to your most trusted vendors (i.e. your payroll provider or the U.S. government for tax payments), your account number may still be transmitted over unsecure email or available on each check that is written.

As each ACH debit comes in for payment, the ACH debit will be paid based on ACH rules set up with the authorized company name and company ID. (i.e. insurance companies, payroll companies, credit cards, pre-approved vendors). If there is no ACH rule established, then the ACH debit will post as an exception and a decision is required to either pay or return the item.

Email notifications will be sent for all ACH debits presented for payment that do not match any established ACH debit rules by 8:30 a.m. CST the next morning. You will then have until 2:00 p.m. CST to pay or not pay the item.

Wire Transfers

With our Wire Transfer Services, you can transfer money quickly and securely anywhere in the world.

• Make same-day, bank-to-bank domestic wire transfers up until 3:30 p.m. CST
• Make payments internationally in U.S. Dollars or foreign currency up until 3:30 p.m. CST
• Schedule same-day, future date or recurring wires
• Create and manage wire transfer templates for easy wire transmission
• Set up dual approval access for additional security measures
• View Outgoing wire transfer history up to 60 days