Services to simplify the management of your business cash flow

Automate processes with technology-driven digital business banking solutions for fast, secure transaction processing.

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Save time

Receive funds faster

Meet financial forecasts

Reduce risk

Treasury Management Services that keep you in control of incoming and outgoing payments

Incoming Wire Transfers

Receive payments electronically deposited directly into your account.

Receive funds as soon as the same day
Get alerts when payments are received
Provide your account number and wire transfer routing number to your sender. International senders will need the SWIFT Code.

Direct Debit

Secure and efficient payment collection to streamline electronic receivables and improve cash flow.

Eliminate manual processing of paper checks
Avoid mail handling and delays
Enhance cash flow with funds electronically deposited directly into your account

Merchant Services

Accept eCheck, credit, debit and gift card payments from your customers.

Give your customers more ways to pay  in-person and online
Funds are available in your account as soon as 48 hours
Select mobile device and point of sale terminals
Understand customer purchasing and payment patterns with robust reporting
No contract or cancellation fees

Zelle^® for your business

Accept payments from your customers, other small businesses and vendors.

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Fast, easy and secure
Send payment requests and view received payments in Online Banking and the mobile app

Mobile Check Deposit

Set up automatic payments for recurring bills, and loans and other payments. Contact your payee to provide your account number and electronic routing number.

Save time and avoid a trip to the bank
Receive instant confirmation that your deposit is processing
Get account alerts when deposits clear

Download the app

Remote Deposit Capture

Select the account to accept a deposit and scan checks individually or in bulk.

Deposit checks using a desktop scanner
Equip one or multiple locations with a scanner for efficient deposits
Use as an alternative to mobile check deposit to save administrative time

Lockbox Services

Securely receive incoming payments with processing handled by dedicated specialists.

Tenant, customer and vendor payments are mailed to a Banesco USA P.O. Box for collection, processing and deposit into your account
View online activity to track incoming payments and manage cash flow
Eliminate employee handling of payments and save time, improve accuracy and reduce risk

Same Day ACH-Direct Debit

Expedited processing of ACH transactions, ensuring funds are transferred from the sender’s account and deposited into your account on the same business day the transaction is initiated.

Offer customers, vendors and suppliers the option to pay electronically for goods and purchases
Receive funds directly into your account faster than traditional ACH transfers

Outgoing Wire Transfers

Add security and control to same-day payments that are disbursed directly to beneficiaries’ bank accounts.

Initiate domestic and international wire transfers online or in the mobile app
Set up one-time or recurring transfers
Use online templates to create and save beneficiary information for recurring wires
Schedule same-day or future date wires
Set user roles and establish dual permissions for increased control
Receive account alerts when funds are transmitted

ACH Origination

Stay on budget and enhance cash flow by timing when outgoing payments are debited from your account.

Originate transactions online or in the mobile app
Reduce errors associated with manual processing
Pay employees with Direct Deposit
Upload payment information to transfer funds in bulk
Same day processing available

Same Day ACH – Origination

Expedited processing of ACH transactions, ensuring funds are transferred on the same business day they are initiated.

Schedule by 12:00 pm ET to ensure same-day transmission of funds
Efficiently handle urgent payments and time-sensitive transactions
Send funds faster than traditional Direct Debit transfers which may take one to two business days to complete
Add ACH Positive Pay for an extra layer of security and to block unauthorized transactions before they are processed

Zelle^® for your business

Send funds in minutes to eligible small business customers and vendors.

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Use Online Banking or Mobile Banking to originate payments
Send funds using a U.S. email address or mobile number

Online Bill Pay

Improve efficiency and save time by paying bills in Online Banking and the Mobile Banking app.

Schedule payments in advance
Set up payments for recurring expenses
Pay anyone – if payee does not accept digital payments we mail a paper check
View payee details all in one place
Sort and view payment history by date, payee and amount
Download transactions to Quicken^® and Quickbooks^®

ACH Positive Pay

ACH Positive Pay is real-time, secure transaction monitoring that protects your business from financial losses due to fraud.

Identify suspicious transactions instantly and take action online or via mobile app
Simplify payments with pre-authorized transactions and vendor management
Minimize financial risk with real-time monitoring and detailed reports

Payee Positive Pay

Add an extra layer of fraud detection and prevention to check transactions.

Check information is matched to information you upload, including check number, amount and payee, prior to being paid
If the information doesn’t match, you receive an exception notification for online review to approve or reject processing
Improve accounting accuracy with check reconciliation and stale check verification reports

ICS^®

Simple, safe, secure access to millions of dollars in FDIC insurance through your relationship with Banesco USA.

Available for deposit balances above the standard FDIC insurance maximum amounts
Earn interest on funds in demand deposit accounts at FDIC-insured banks that are members of the IntraFi network
24/7 online access to your accounts
Receive one consolidated statement from Banesco USA for efficient recordkeeping

Account Reconciliation

Automate your account reconciliation, streamline your financial processes, and gain instant insights into your business transactions.

Optimize account reconciliation processes
Minimize operational costs
Efficiently identify and report discrepancies

Reduce the risk of fraud with ACH Positive Pay and Payee Positive Pay

Prevent unauthorized payments with proactive security measures

ACH Positive Pay

Prior to processing, automated review compares pending ACH transactions with an approved transaction list you create and upload. If the information does not match, you determine whether the transaction is processed or rejected.

Payee Positive Pay

When a check is presented for payment, it’s automatically compared to a list of authorized checks with information you upload, including payee name, check number and amount. Potentially fraudulent checks are flagged as exceptions for you to approve or reject.

How it works

The information on each ACH payment or check is automatically compared to a list of authorized payments or payees you upload. If the information matches, the transaction is processed. If the information doesn’t match, you receive an online exception notice to approve or reject the transaction.

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Global Payment Processing

Conduct transactions globally with the support of our network of correspondent banks, ensuring efficient and secure transaction processing while protecting your privacy.

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Streamline business expense tracking with set spending limits

Give your employees the convenience of paying for purchases and reimbursable expenses with a Visa Purchasing Card and earn cash back for your business.¹

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