Treasury Management

ACH Payments

• Reduce the expense and hassle of writing paper checks by sending payments electronically
• Easily create and store your payment information in templates within Business Online Banking for future use
• Schedule onetime or repeating payments to individuals or businesses with proper authorization
• Great tool for sending: direct deposit payroll, employee bonuses, employee reimbursements, commissions, disbursements, rent, pay vendors, etc.

ACH Collections

• Reduce the time and expense spent on collecting money by receiving payments electronically
• Easily create and store your collection information in templates within Business Online Banking for future use
• Schedule onetime or repeating collection transactions to individuals or businesses with proper authorization
• Great tool for collecting membership dues, fees, rent, charitable contributions, etc.

ACH File Upload

• Save time by uploading National Automated Clearing House Association (NACHA) formatted files created from your accounting or payroll software
• Submit ACH Debit and Credit transactions with proper authorization
• Files are verified to ensure they comply with NACHA standards

Online Wire Transfer

• The quickest way to send money to accounts within the United States or Internationally
• Create one time wires or wire transfer templates in Business Online Banking for future use
• Schedule same day, future dated, and/or recurring wire transfers
• Require additional approvals for wires to be sent (optional)
• Privileges and limits are customized for each user

Check Positive Pay

Protect your account from unauthorized and fraudulent checks. As you issue checks, you will submit a check "issue file" or manually enter information (check issue date, check number, and dollar amount) through Business Online Banking. As checks are presented to your account, they are matched with your check issue file. Checks that do not match are considered "exceptions" and a decision must be made to pay or return the items.

Check Positive Pay with Payee Matching

In addition to the check issue date, check number and dollar amount, you can include the payee name in your check "issue file." As checks are presented to your account, we will also validate the payee name.¹ Checks that do not match the issue file (including payee name) are considered "exceptions" and a decision must be made to pay or return the items.

Reverse Positive Pay

All checks presented to your account will be presented as "exceptions" for you to review and make a decision to pay or return each check.

ACH Positive Pay

This service allows you to create rules that limit the ACH transactions that will be debited from your accounts. As ACH debit transactions are presented, they are matched to your payment rules. Transactions that do not meet the rules are considered "exceptions" and a decision must be made to pay or return the items. Payment rules can be created with the following criteria:

• Originating Company ID
• ACH SEC (standard entry class) code
• Dollar amount

ACH Debit Block

This service allows you to block all ACH debit transactions from posting to your accounts. Every incoming ACH debit transaction will be returned to the originator.

Full Account Reconciliation

Submit a check "issue file" and we will provide you with monthly account reconciliation reports detailing your paid, outstanding, and voided checks along with any stop payment items.

Partial Account Reconciliation

Each month we will provide you with a list of paid checks and additional reports so that you can reconcile the account.

Deposit Reconciliation

Simplify the process of reconciling your deposits from multiple locations or business units that utilize the same account. Each location or business unit will use a unique location number on their deposit slips. You'll receive a report of the deposits sorted and subtotaled by location. The location numbers will also appear in your transaction history.