ACH Transfers
One of the most powerful tools available to today's businesses is electronic funds movement via the Automated Clearing House (ACH) system.

ACH Transfers give businesses the power to inexpensively collect or disburse funds to accounts at any financial institution in the country provided the account holder agrees to allow it. Money moves quickly and easily without any float.

This next-day funds movement technique is perfect for transactions such as:

• Federal and State Tax Payments
• Direct Deposit of Pay
• Concentrating funds from your accounts at several banks
• Collecting contributions, dues, utility, or mortgage payments and
• Making supplier payments

Whether your accounting software can create a NACHA formatted file or you need to enter payments into our ACH module in Business Express, anyone can quickly and easily perform ACH Transfers by using one of our services.
(ACH Risk approval required.)

Wire Transfers
For high dollar amount or time sensitive funds movement, nothing beats a wire transfer.

When you have to move money quickly, wire transfers can be initiated through our telephone service utilizing a pre-established PIN number or by using our Business Express service. If you don't have either one or these services established for your business, your local branch would be happy to assist you.

Positive Pay
Protect your business from check fraud by using our image-enabled Internet Positive Pay service.

Check fraud is one of the fastest growing forms of financial crime in the United States. Positive Pay is the most powerful tool available to businesses to reduce check fraud. Use the Internet to send us a file of the checks your company issued in one of three common file formats, then log back on each morning to see images of any items submitted to us for payment that don't match your records. Let us know via the Internet if any of these are incorrect or fraudulent items and we will quickly correct or return them to the bank of first deposit. Timely identification of fraud allows us to use all means at our disposal to insulate your company from the aggravation and financial impact of fraud.

Controlled Disbursement
Clients engaged in aggressive cash flow management need to know what is going to settle to their account each and every day before it happens

Our Controlled Disbursement Accounts provide you with notification during the day about the total amount of checks clearing your account that day. This allows progressive business managers to borrow funds or liquidate investments to cover that day's cash needs. No more funding accounts early just in case the need arises - move your money when it is really needed with Controlled Disbursement.