Treasury Management Products
PRODUCT COMPARISON
Small Business Treasury Management Services |
Commercial Treasury Management Services |
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| ONLINE BANKING | ||
| Online and Mobile Banking - Check balances, transfer funds, view transactions, pay bills and place stop payments |
X
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X
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| Quickbooks/Quicken -Experience easy integration between Bank and Company with Quicken and Quickbooks | X | X |
| PAYABLES | ||
| Direct Deposit Payroll - Deposit employee's payroll into their account at any bank in the United States | X | X |
| ACH Payments - Schedule a one-time payment and single or batch payments within the United States | X | X |
| ACH Payments - Schedule a recurring payment and single or batch payments within the United States | X | |
| Wire Transfer - Schedule a one-time or recurring payment and single or batch payments within the United States | X | X |
| Business Bill Pay - Pay bills in less time, allowing for accurate on-time payments and the ability to view payment history | X | X |
| Bulk ACH initiation - send multiple ACH's | X | |
| RECEIVABLES | ||
| ACH Collections - Schedule single or batch payments within the United States | X | X |
| ACH Collections - Schedule recurring payments or batch payments within the United States | X | |
| Autobooks - Send digital invoices and accept payments electronically (credit card, debit card, bank transfer) | X | |
| POSITIVE PAY/ ACH BLOCKS & FILTERS | ||
| Positive Pay - Electronically monitor your check transactions, allowing you to identify an authorized or fraudulent item before it clears | X | X |
| Positive Pay - Electronically monitor your ACH transactions, allowing you to identify an authorized or fraudulent item before it clears | X | |
| Positive Pay - Manual check entries or upload files | X | X |
| ADDITIONAL TREASURY MANAGEMENT SERVICES | ||
| Advanced entitlements - establish rules around accounts, subsidiaries, approval levels, dates/times | X | |
| Advanced Reporting - Create custom reports based on criteria you choose, automatic availability in various formats. (ie. CSV, PDF, BA12) | X | |
| User Entitlements - assign an administrator within the company to establish permissions based on users needs. To include setting limits and number of approvals from users. | X | |
| Notifications - set up notifications to be sent when transfers, ACH or wires are needing additional approvals | X | |
| Notifications - set up notifications to be sent when Positive Pay items are needing to be processed. | X |
ADDITIONAL BUSINESS PRODUCTS
 ACH Blocks/Filters
Filters and blocks prevent unauthorized ACH transactions from posting to an account, separate from the Positive Pay capabilities. Blocks are created to allow no ACH transactions while filters allow more specific details to prevent select transactions.*
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 Autobooks
Invoicing and Payments for Small Business TM.
Send invoices online, schedule recurring invoices, and automatically send reminders for past due invoices. Get paid faster online, accept credit and debit cards, ACH transfers, low processing rates.*
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 Remote Deposit Capture
Save time and money by skipping a trip to the Bank and depositing your checks from the comfort of your office.*
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 mRDC
Save time and money by skipping a trip to the Bank and depositing your checks from wherever you are via your mobile device.*
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 Merchant Services
Our full line of fast and convenient card processing services will provide a tailor-made payment solution for your business and our low rates may reduce your card processing expenses. We provide you with a fast and secure payment option with U.S. based technical support and no long-term contracts.*
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 EZBusiness Credit Cards
Provides a line of credit that can be used to purchase anything you may need for your business, from supplies to equipment. In addition, help manage employee expenses by providing them with their own established spending limit for business expenses.*
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 Target Balance/Zero Balance Sweep Accounts
Automatically sweep funds between higher interest earning accounts to maximize earnings.*
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*Please Note: All fees depend on which product(s) you are approved for and choose to activate for your business. See a member of Treasury Management Services (TMS) for additional detail on product terms and requirements.