Please watch out for fraudulent phone calls and text messages that may appear to be from our bank. Be cautious with any communication you did not initiate. If you receive a call or text requesting personal information such as username, password or PIN, contact your local branch immediately.
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Business
Cash Management
We offer a variety of industry leading services to assist business customers with building efficiencies in their daily processes, moving money securely and timely, and assist in monitoring their accounts against potentially fraudulent activity. If you have any interest or questions regarding the available services listed below, please contact the Cash Management Department for assistance.
Files can be uploaded or recipient information can be manually entered into Digital Banking
Templates can be created and edited for ease of use
Direct Customer Service Support
Dual Control Permissions – with this permission set, two individuals would be required to process ACH. This option may be utilized for an additional layer of security and to help avoid possible errors.
Multi-factor authentication required on all batch approvals.
Setup various text and/or email alerts (requested approval, file processed).
Access to reports (historical transactions/batches, scheduled batches).
Access to submit ACH files to the Bank 24/7.
ACH Files submitted to the Bank on a normal business day before 4:00 p.m. CT/3:00 p.m. MT will be processed that day. Files submitted after this time will be processed by the Bank on the next available business day.
Same Day ACH processing capabilities available for single transactions less than $1,000,000. Same Day ACH batches must be submitted to the Bank on a normal business day before 2:00 p.m. CT/1:00 p.m. MT to be processed that day.
Defined: A fraud prevention system that can be used by businesses to protect against altered, forged, and counterfeit checks.
Available only in Digital Banking.
Direct Customer Service Support
Upload files of issued checks or enter individual checks as needed for the Bank’s system to compare against checks that are presented for payment.
Analyzes previous day’s activity for forged, altered, or counterfeit checks
Request specific parameters to be set that could generate additional exceptions for your review (dollar thresholds, payee matching, check number ranges).
Review check exceptions daily (such as duplicate item, incorrect amount, wrong payee, paid not issued, etc.) and determine course of action.
Exceptions marked for return will be handled by the Bank daily.
Set alerts to notify you when exceptions have been generated so they are handled in a timely manner.
Defined: A system that allows business customers to scan checks remotely and transmit the images to the Bank for deposit into their account(s).
Available in Digital Banking or directly through a merchant site set up by the Bank.
Access to submit check deposits 24/7 right from your office using a desktop scanner.
Remote deposits will be reviewed by the Bank on a normal business day up to 4:00 p.m. CT/3:00 p.m. MT. Remote deposits received after this time will be reviewed and processed on the next available business day.
Direct Customer Service Support
Single Feed and Multi Feed Scanners Available
Dual Control Permissions – with this permission set, two individuals would be required to process remote deposits. This option could be utilized for an additional layer of security and to help avoid possible errors.
Access to reports (search and print specific checks, summary of deposits including images, audit reports, etc.).
Ability to set up multiple scanning locations as well as multiple accounts.
Defined: An electronic transfer of funds made from one bank to another.
Send funds quickly and securely; generally, funds from wire transfers are immediate and made available to the recipient on the same day they were sent.
For international wires, availability of the funds depends on the location of the recipient and the processes of the financial institution(s) receiving the funds.
Processing options available:
Domestic (within the US)
International in US Dollars
International in Foreign Currency
All wire transfer options are available to process in Digital Banking. Foreign currency options may be limited.
Direct Customer Service Support
Access to submit wire transfers to the Bank 24/7.
Wire requests submitted to the Bank on a normal business day before 3:00 p.m. CT/2:00 p.m. MT will be processed that day. Wire transfers submitted after normal business hours will be processed on the next available business day.
Wire templates can be created and edited for ease of use.
Dual Control Permissions – with this permission set, two individuals would be required to process wire transfers. This option could be utilized for an additional layer of security and to help avoid possible errors.
Multi-factor authentication required on all wire approvals.
Setup various text and/or email alerts (wires submitted, approval requested, wire processed, etc.)
Wire confirmations are available on demand via Digital Banking; download the wire confirmation once it has been processed by the Bank.
