Services to simplify the management of your business cash flow

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

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 with ACH – 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 small business

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

Learn more

Fast, easy and secure
Send payment requests and view received payments in Online Banking and Mobile Banking

Mobile Check Deposit

Capture a check image using the camera on your phone to securely deposit checks from anywhere with Mobile Banking.

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 make 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

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

It’s particularly useful for urgent payments or time-sensitive transactions, offering greater flexibility and speed compared to traditional ACH transfers, which may take one to two business days to complete.

Outgoing Wire Transfers

Add security and control to same-day payments that are disbursed directly to beneficiaries’ bank accounts.¹

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

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

Zelle^® for your small business

Send funds in minutes to eligible small business customers and vendors

Learn more

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

Online Bill Pay

Improve efficiencies 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

IntraFi Cash ServiceSM (ICS)

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

Service is available for deposit balances above the standard $250,000 FDIC insurance maximum
Earn interest on funds in demand deposit and Money Market accounts at FDIC-insured Banks that are members of the IntraFi network
24/7 online access to your accounts

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

ACH Positive Pay is a fraud prevention service that helps businesses protect themselves from unauthorized ACH payments. With ACH Positive Pay, businesses can create a list of authorized ACH payments and reject any payments that are not on the list.

Payee Positive Pay

Payee Positive Pay is a fraud prevention service that helps businesses protect themselves from unauthorized checks. With Payee Positive Pay, businesses can create a list of authorized payees and reject any checks that are not made out to an authorized payee.

How it works?

ACH Positive Pay and Payee Positive Pay work by matching the information on each ACH payment or check against a list of authorized payments or payees. If there is a match, the payment or check is processed normally. If there is no match, the payment or check is rejected.

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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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Take control of your finances anytime, anywhere.

Enroll in Online and Mobile banking for real-time account access, instant payments, and customizable Treasury Management services.

Enroll now

[treasurymanagement] Treasury Management [US]

Need help? We’re available.

Visit

Find a branch

customerservice@banescousa.com

Call

1-888-228-1597