Online Cash Manager

Cash Manager is designed especially for America’s rural businesses. These convenient online tools save you both time and money.

• Deposit money quickly and easily
• Make and collect payments
• Balance accounts
• Automatic loan sweeps

Put your cash to work by paying down your loan or increasing your investment.

DEPOSIT SOLUTIONS

Cash Manager offers several solutions to accelerate your funds availability and to make your accounts receivable and application processes more efficient.

Remote Deposit Capture

Scan your checks and transmit them electronically to your Cash Manager account, reducing the number of trips you need to make to the bank. Reporting options are available to streamline your accounts receivable updates. You will have faster access to your funds — sometimes as much as two days sooner compared to standard deposits.

ACH Deposit Services

With this solution, your customers can remit electronic payments to you or you can initiate pre-authorized drafts from them — both one-time and recurring payments — strengthening your cash flow projections.

Automated Cash Concentration

If you have the need to make deposits locally, we can automate the sweep of these funds to reduce your loan balance or increase your investment with us. You define the parameters – how much and how often your funds will be swept.

Lockbox

Lockbox processing gives you faster access to your funds by reducing mail float time and quickly posting your collected funds. We provide same-day online access to the images of all deposited checks and supporting documentation. With sites across the country, this is also a simple, proven way to reduce the administrative burden of processing checks.

Reporting and Reconciliation Support

Cash Manager offers online reporting and reconciliation support to help simplify your administrative tasks.

Reporting

In addition to a daily account summary, you have online access to the detail of your transaction, including checks, ACHs and wires, as well as loan and investment activity. You can view one or multiple accounts, specify date ranges or transaction types, or search for specific items. The activity detail can be exported for use with your internal systems, and images of your cleared checks are readily available online.

Reconciliation

We can help you reconcile your Cash Manager accounts each month by providing either a Paid List of your cleared checks, or a Full Reconciliation Report that includes your issued, paid and outstanding checks. These online reports can be supplemented with data files that can be uploaded to your accounting system to automate your reconciliation process.

FRAUD DETECTION TOOLS

Safegaurd your funds with powerful tools designed to protect you and your money from fraud.

Positive Pay

Positive Pay helps guard against check fraud as well as check irregularities such as encoding errors and multiple postings. Protecting your account from fraud has never been easier with the option to choose the service level that fits your business.

With Positive Pay, you send a file of issued checks to the bank, including check number and dollar amount. As an option, you can also add payeer name. When checks are presented, they are matched to your file. Exceptions are flagged so you can review them online and determine whether or not to pay them.

The optional paid check review feature lets you review every check to decide whether it is valid and should be paid or is unauthorized and should be returned.

ACH Fraud Filters

ACH Fraud Filters guard against unauthorized parties initiating electronic payments on your Cash Manager account. You have the flexibility to block all ACH presentments or to review exceptions and decide which ACH transactions are allowed to settle against your account. It’s easy to manage your authorized parties and maximum amounts online.

MERCHANT SERVICES

Whether you are billing for recurring payments or accepting credit cards at the point of sale, we offer competitive rates, and you have use of your funds within 24 hours.

PURCHASE CARDS

Provide key employees with VISA cards and eliminate the need to use personal credit. Maintain controls by setting purchase limits for each cardholder. Merchant blocks are also available if needed.

INVESTMENT SERVICES

Take advantage of investment opportunities automatically when your daily cash position allows. Choose from a variety of funds, all of which offer safety and liquidity for your short-term investment needs.