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Having the cash available to do what you want, when you need to do it, is one of the keys to success for any business. We offer a variety of cash management solutions to support you, no matter how your cash is managed.

Online Cash Management

Sign into our Business Online Banking platform and manage your money with a couple of clicks. Look at real time account activity, pay bills, wire money or track deposits. Our technology is fast, effective and secure. Our cash management team is available to support you with your day-to-day needs, so when you need help we’re only a quick call away.

The finer points:

  • Make online payments and transfers to cover expenses
  • Secure portal to find real time information on your accounts
  • View loan balances, make payments or drawdown lines of credit
  • Download transaction details in a variety of formats

Wire Transfers

Send funds domestically or internationally in real time with a simple click or call.

The finer points:

  • Safe and secure method of payment
  • Mobile wire approval capability if you’re on the go
  • Create and save wire templates to make recurring payments
  • Track payments through the Fed Reference number available online
  • Receive incoming wire notification so you know when money is received

ACH Origination

There is an easier way to send or receive payments. With ACH Origination, you control the payment details and timing by moving your payments electronically.

The finer points:

  • Use ACH for payroll, employee expense reimbursements, tax payments, vendor payments and more
  • Effective way to receive payments from your tenants or customers
  • Security controls to manage both external and internal security threats

Remote Deposit Capture

Scan checks electronically through our Online Banking system using a scanner. Also use your iPhone® or AndroidTM mobile device to make deposits.

The finer points:

  • Conveniently deposit directly into your account without leaving the office
  • Gain greater control over your accounts receivable process
  • Ability to make deposits from several locations using multiple scanners

Incoming International Wires

When you’re bringing money across from another country, transaction charges from overseas banks can take a big chunk out of your payment. Instead of saying goodbye to your cash, you can choose an easy way to receive your payment at a much lower cost with our International Wire Service. 

The finer points:

  • Fast and reliable
  • Wide range of currencies available

To use our incoming international wire service to receive regular or one-off foreign currency payments to your U.S. bank account or to learn more, click here

Lockbox Services

Leave the accounts receivable work to us and access your funds more quickly. Payments are directed to us for processing and reports made available daily.

The finer points:

  • P.O. Box is maintained by the bank in order to receive payments
  • CSB processes the deposit, creates reports and provides images of checks and correspondence
  • Online reporting allows you access to images and reports for up to 12 months
  • Reduce your back office account receivables workflow

Zero Balance

With our Zero Balance Account1, there’s a lot less manual work to managing your accounts. Funds will automatically ‘sweep’ from your main operating account to cover payroll or other payable-only accounts.

The finer points:

  • Manage multiple accounts from a single, consolidated account
  • Simplify accounting procedure and reduce the time and effort needed to reconcile multiple operating accounts
  • Allows for the concentration of funds for investment or other purposes

1 A Zero Balance Account must be linked to a Commercial Checking Account.

Sweep to Line of Credit

Automatically transfer funds between your line of credit and business checking accounts in order to avoid overdrafts or reduce your company’s interest expense.

The finer points:

  • Ensure checks are paid while excess balances are used to reduce expenses
  • Automated service to reduce line of credit interest expense
  • Allows you to maintain checking balances within a targeted range

Positive Pay

Positive Pay helps to prevent losses and catch fraudulent activity before the money ever leaves your account. We match the checks you issue against ones presented for payment and give you the ability to approve or reject any items that don’t match.

The finer points:

  • Monitor checks processed for payment to prevent check altering and forgery
  • Review and reject unauthorized transactions before losses occur
  • Speed your account reconciliation process by managing cleared checks

Escrow Management

We help landlords, attorneys and realtors manage client funds. Whether it’s a security deposit, down payment or retainer, we can hold the money for you and provide year-end reporting on the interest earned.

The finer points:

  • Consolidate funds under one master account with separately managed sub-accounts for your clients
  • Simplify accounting entries and tracking of client funds
  • Allow us to manage the 1099 reporting for your clients and the tax authorities

For more information, call your account officer or email our Cash Management Department.

Contact Us

Click here to read our Business Online Banking Agreement.

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