ABC's Treasury Management Services will help you run a smarter, stronger business. Our variety of technology-based products are designed to maximize your cash flow, process deposits and payments more efficiently and so much more. Let us know how we can help you with your business needs.

Online Banking - It’s an easier and better way to manage your cash.

Transfer funds, check balances, view statements, even view check images at the push of a button. ABC’s Online Banking gives you access to your bank accounts any time, any place, where you have web access.

Highlight of Benefits:

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Office Banker (Remote Deposit Capture) - Make deposits without going to the bank.

With remote deposit, you make deposits electronically from your own desk. You simply scan your deposits using the equipment that is provided by ABC. It’s that easy!

Highlight of Benefits:

• Save time by scanning items for deposit at your office
• You get extended cut-off times
• Your records are improved with robust reporting and data capture
• The bank sends you an e-receipt for every deposit

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Positive Pay - Successfully protect yourself from potential losses.

Since federal regulations now require you to do everything in your power to protect check stock against fraud, we think you will appreciate our help in mitigating this risk. With our Positive Pay service, we can quickly identify potentially fraudulent and other exception items. This helps protect you from potential loss of funds.

Highlight of Benefits:

• Reduce risk of loss due to check fraud
• Identify exception items at the time of presentment
• Reduce your reconciliation effort by limiting the process to exception items only
• While having the bank match each check you write to a file you provide, you not only protect your funds, but you create an automated daily reconciliation process
• Easy upload process to report all issues
• Easy “exception” identification with a period of time to actually override your initial decision to return all exceptions

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Merchant Services - Increase revenue and customer satisfaction by accepting Visa®, MasterCard® and other credit/debit cards.

Whether your customers are consumers, businesses or other organizations, they expect payment choices. FirstData Merchant Card Services enable you to accept and process Visa®, MasterCard® and other credit/debit card transactions. Do you already accept cards? If so, we welcome the opportunity to discuss our services and pricing. If not, let us show you how easy it is to get started.

Highlight of Benefits:

• Reduce cost — We are your bank and our relationship comes first. Our rates and fees are disclosed up front and there are no hidden costs, bait-and-switch schemes or pricing gimmicks. We charge you only for the products and services you use — whether it is equipment, software, user support, or transaction processing
• Improve Efficiency — Card payments can save you time and money by minimizing cash and check handling and payment reconciliation, giving you more time to do more important things — like managing and growing your business
• Better technology — Our hardware and software are state-of-the-art and provide processing solutions to a variety of requirements
• Service implementation — Friendly, knowledgeable and professional staff assist you with installing hardware and train you how to use it
• Software and operational support — Help is available to answer questions about how to perform transactions and to resolve any processing issues

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Lockbox Collection - Successfully save money and time with more efficient processing of your clients’ payments.

With ABC’s lockbox collection service, there’s no more traveling to the post office, opening envelopes, preparing deposit tickets, or taking deposits to the bank.

Highlight of Benefits:

• Reduced administration cost and greater efficiency – we do not call in sick and if we take a vacation, there is another fully prepared associate to make sure your deposits are made
• Quick, accurate posting and reposting of receivables with flexible reporting choices

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Cash Management

ABC's convenient and cost-effective Online Cash Management Service is designed for companies that need a broad range of electronic banking services. It provides accurate, up-to-date financial information in a secure environment.

Highlight of Benefits:

• Access your accounts
• Transfer funds between accounts
• Set up multiple users within your business
• Define functionality for end users and control the accounts and services they may access
• Originate ACH transactions including payroll, vendor payments and accounts receivable
• Reconcile your accounts
• View check images
• Initiate wire transfers
• Request stop payments