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Our complete line of Cash Management* products can help your business plan, organize and control the flow of funds, so that you operate at a more effective and efficient level. Through the use of the latest technology, we offer several alternatives that can streamline cumbersome office procedures.

*Cash Management products are available to business customers only and fees may apply.

Cash Management Officers

Strategically optimize working capital while increasing operational efficiencies. We can help guide you toward your objectives with solutions that are tailored to fit your individualized needs.

Manage Cash Flow

Our services allow your business to control and monitor your funds and maximize the productivity of your cash resources.

Information Reporting

eBusiness Solutions will provide you online access to your checking, savings, money market and loan accounts. eBusiness Solutions is updated continuously throughout the day on a real-time basis making it easy to know your exact cash position at any time. eBusiness Solutions offers an easy and convenient way to view account activity, Electronic Data Interchange (EDI) reports and bank statements, initiate stop payments, internal transfers, ACH transfers and wire transfers.

Line of Credit Sweep

Links your business checking account to your commercial loan for automatic, daily pay-down and draw-down decisions. This can help reduce interest income expenses as well as clerical time involved in manually processing loan payments and draw-down requests.

Zero Balance Accounting (ZBA)

Centralize funds in a single concentration account by linking business checking accounts through our Zero Balance Accounting service. Zero Balance Accounting eliminates the need for manual transfers between accounts by automatically moving excess balances held in linked accounts to the master/concentration account.

CD-ROM Check Imaging

Provides a permanent storage and retrieval system of all of your paid check images. Check images are stored on a CD-ROM for quick and easy retrieval of specific images.

EDI Reporting

Reduce the time and costs associated with posting and reporting of EDI payments with the help of EDI reporting.    This is an ideal service for customers that receive in Federal, State, Insurance or Healthcare payments electronically.

Landlord-Tenant Accounting (DESA)

This reporting offers a Master and Sub-Account structure with robust month-end reporting. This service is ideal for property managers, municipalities and any other business that manages escrow funds for multiple clients.

 

Manage Collections

Our services let your money work longer for you by helping to reduce operating costs, mitigate fraud and improve the availability of funds.

Automated Clearing House** (ACH)

ACH collections can help streamline the collection of funds and improve efficiencies of your accounts receivable system. bankESB can assist with collecting these payments electronically by taking advantage of the Automated Clearing House system. Typical ACH collections are Health Club Memberships, Association Dues, Loan Payments, Utility Payments, Contributions to Non-Profit Organizations and Cash Concentration.

Office Deposit (Remote Deposit Capture)**

Office Deposit allows a company to scan checks for deposit and transmit the images directly to bankESB without having to visit a branch. By scanning checks and transmitting deposits, costly trips to the bank are eliminated.

Wholesale Lockbox

Our lockbox product will accelerate the collection of your receivables and save you valuable clerical time. You receive fast and accurate credit to your account. Our service includes image capture that utilizes state-of-the-art hardware and software to capture the image of the check and the invoice. These items are available for you to view the same day they are processed

Retail Lockbox (OCR)

Retail lockbox service uses optical character recognition (OCR) to collect payments and capture the remittance data. We provide you with an electronic output of your remittance data and special reports that will automate the posting to your accounts receivable system.

Smart Pay Express (SPE)

SPE provides a hosted webpage for businesses or nonprofit organization to collect payments from a link on their own website. Payments can be made either by credit card or ACH withdrawal. Ideal for property management companies, homeowners associations, etc.

Merchant Services**

Offers a variety of credit card processing methods and equipment. We have payment solutions for industries such as: retail, lodging, hospitality, education, government, mail order and eCommerce.

**ACH Services, Merchant Services and Office Deposit (Remote Deposit Capture) require review and approval by bankESB. Not all customers are eligible for these services.

Manage Payments

Our solutions optimize the efficiency of your business’s cash flow. These services allow you to distribute funds quickly and cost effectively while monitoring payables activity.

Fraud Prevention Services

Today’s technology has created many new avenues for fraud to be attempted against your accounts.  Fraud is costly and time consuming.  With our fraud prevention products, preventing fraud is quick and easy.  bankESB has products that help protect you against both check fraud and electronics payments fraud.

  • Check Positive Pay prevents unauthorized checks from posting to your account.
    • Each time you issue a check, you transmit that information (i.e. check number, dollar amount and payee name) to the bank.  We match each check presented for payment against that information.  If everything matches, the checks would be paid.  If a check does not match, it would reject and you would be able to decide whether to pay or return the check.

      Check Positive Pay is integrated with our eBusiness Solutions (Online Service) to provide single login access to positive pay protection. 

  • ACH Positive Pay prevents unauthorized ACH transactions from posting to your account.
    • This service allows debits to post to your account from companies that you have authorized.  You provide us a list of the “authorized” companies.  As ACH debits post to your account, we match them against your authorized list.  If an ACH item does not match against this list, the item is rejected and you are notified. 

      ACH Positive Pay is integrated with our eBusiness Solutions (Online Service) to provide single login access to positive pay protection.

ACH Debit Block

  • ACH Debit Block blocks all ACH debits to the account. No ACH transactions, regardless of the source, will be paid against the account.
    • If you do not want to have any electronic debits posted against your account, you would establish an ACH Debit Block service.  This service blocks each and every incoming ACH debit, without exception.  ACH debit blocks are often used with Money Market and Savings accounts.

Account Reconciliation

  • Full Reconciliation

With Full Reconciliation, your company will upload a file containing check issues information and we match checks-issued with checks-paid.  Monthly reports are made available to you via eBusiness Solutions, our internet banking platform.  Reports include a paid and outstanding item report as well as exception reports for items like voids and deletes.  The report data includes:

  • Check Number
  • Check amount
  • Date issued
  • Date paid

This information can be sorted according to your preference.

  • Partial Reconciliation 

    Unlike Full Reconciliation, bankESB doesn’t require a checks-issued file for partial or “paid only” reconciliation.  Instead bankESB extracts a list of checks-paid from our commercial checking systems.  This information is provided to you through eBusiness Solutions, our internet banking platform and can viewed, printed and exported.  The following information is provided: checks paid; check numbers; paid dates and dollar amounts.

Automated Clearing House** (ACH)

These solutions optimize the efficiency of your business’s cash flow. These services allow you to distribute funds quickly and cost effectively while monitoring payables activity.

Wire Transfers

Online movement of funds makes it possible to move money globally with a high level of security and minimal clerical effort. Domestic & international wires are available through our eBusiness Solutions system.

Business Credit Cards

Choosing the right credit card for your business is now easier than ever! Click here to see our complete product offering.

**ACH Services, Merchant Services and Remote Deposit Capture require review and approval by bankESB. Not all customers are eligible for these services.

Business Credit Cards

Choosing the right credit card for your business is now easier than ever!

View Credit Cards