Cash Management

Analyzed Checking Accounts

• Receive a competitive Earnings Credit on Collected Balances
• The cost of banking services can be offset by Earnings Credits
• Excess balances can be swept to an interest bearing account

e-@ccess Online Banking:

• View account history and export data in one of 9 available formats
• Initiate ACH transactions such as Direct Deposit Payroll
• Initiate online wires, including repetitive wires
• Create sub-user logins and implement dual-control for transfers, ACH and wires

ACH Initiation:

• Initiate both ACH debit and credit files
• Sort ACH Payees into individual Batches
• Send ACH Batches with future settlement dates
• Import NACHA formatted files directly from your accounting platform

Online Wires:

• Initiate one-time or repetitive wires
• Build a database of wire recipients for future use
• Convenient ability to initiate wires without requiring trip to local Financial Center

Zero-Balance Accounts (ZBA):

• All balances in the subsidiary (sub) account sweep into the main (lead) account at the end of the day
• Sub account’s zero balance allows easy reconciliation
• Concentrate all available funds into the lead account to maximize cash liquidity
• Tie a sub account (such as a Payroll Account) to the lead account
• Use a unique ZBA sub account for multiple store location’s deposits and reconcile them as a single ZBA transfer into the lead account

CD Statement with Check Copies:

• Replace bulky paper statements with convenient statement burnt onto CD
• View high-quality images of cancelled checks in a searchable, sortable database

For additional information about Cash Management Services please contact your local Financial Center, or contact Nicole Dahl or Dave Damschen in our Cash Management Department directly at 509-462-5806 or 801-715-3133.