CASH MANAGEMENT

Community Bank’s full range of cash management services allows you to streamline the collection of your receivables, concentrate your cash, reconcile your accounts, and report on your account activity automatically. Your cash goes to work faster and more efficiently, allowing you to monitor and control payments and deposits, and to respond quickly to opportunities.

Community OnLine

You can access your business account information around the clock via the internet. You can obtain balances, review transaction histories, export data for account reconciliation, transfer funds, pay bills, order checks, request stop payments, create ACH payroll entries, make tax payments, and much more.
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Remote Deposit Capture

Deposit checks electronically from your desktop. Remote Deposit Capture utilizes a desktop scanner that connects to your PC and the Internet. With it, you can scan checks received from customers and transmit deposits electronically to the bank anytime day or night. It’s the quickest way to turn check deposits into cash.
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Positive Pay

Community Positive Pay is a daily check file transmission from your company to the bank to detect Fraudulent issued checks. You provide a daily record of issued checks and check information which can be uploaded to the Bank or entered manually, the Bank matches issued checks against all checks presented for payment. Items that do not match are reported to you for final pay or no pay decision.
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Merchant Payment Services

Your business can utilize a broad range of payment acceptance capabilities for goods and services using a Point-of-Sale (POS) terminal, PC or even the internet. This service gives you flexibility in offering payment options to customers, increases sales, simplifies accounting and controls, and eliminates billing. You can accept Visa, MasterCard, American Express, Discover, electronic checks and gift cards.

Balance Reporting

Our early morning account balance summary offers timely, detailed information about your account. Remove any doubts about the status of your account with information that is updated daily. This service is provided through Community OnLine.

ACH Origination

Through our Community OnLine service, we can process your company’s corporate payments, allowing you to disburse and collect funds electronically.

Automated Tax Payments

Business customers can make Federal, State, City and County tax payments directly by touch-tone phone, or via computer.

Zero Balance Accounts

An account that allows for automatic same-day transfers to and from a concentration account. This allows you to move excess balances into a single account, or control the disbursement of funds from a central pool of money.

Payroll Services

Community Bank offers many ways for your business to manage your payroll. From Direct Deposit to Payroll Debit Cards, Community Bank can make handling payroll quick and easy.
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Courier & Carrier Service

Your business gets increased security over your deposited funds by providing transportation of your deposits and other paperwork to the bank. It eliminates the need to have your employees drive to and from the bank to make deposits, and decreases float as your funds are in your account earlier, not at your business.

Lockbox/Remittance Banking

Increase your cash flow by getting remittances into your account more quickly. Save your company time and money by cutting the amount of incoming mail processed by your employees.

Cash Concentration

Your business can centralize all corporate funds regardless of bank of deposit into one easy-to-manage concentrated account. It’s less costly than other transfer methods, your funds are available sooner, and it frees up your staff for greater productivity.

Business Analysis

Offset your monthly account fees through an earnings credit allowance.

CDARS

With CDARS_SM Community Bank can provide additional FDIC insurance for deposits up to $30 million.
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Sweep Credit

Your business is assured that all excess collected funds are immediately used to pay down loan balances. You spend less time reviewing and managing cash and can review your transactions daily through Community OnLine.

Sweep Investment Service

Simplify the investing of your excess cash daily. By pre-selecting your investment vehicle we automate your daily investments. Note: Not FDIC insured. No bank guarantee - May lose value.

CD ROM

Community CD Rom service offers your company a convenient, time efficient way of receiving their checks and statements. With CD Rom your company will receive a CD containing images of your account statement(s) as well as all of your paid checks. CD Rom will allow your company to locate your items through detailed search capabilities including account number, check number and dollar amount.

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If you’d like to learn more about Community Bank’s Cash Management Products, call (626) 568-2021 to be directed to a Banking Center near you.