Treasury Management

At USAmeriBank we support our customers’ success by providing comprehensive services that make it easier for you to manage your day to day cash management functions and meet your financial goals. Our Treasury Management capabilities include online banking access, a host of receivables solutions, including remote deposit capture, payment solutions including electronic wire transfers, ACH origination, automated sweeps and many more.

Information Management

Secure Access Manager

Secure Access Manager provides real-time access to your account information from your PC with an Internet Connection. With instant access you can save time and streamline your financial processes. In addition to information reporting, Secure Access Manager provides a portal to a variety of cash management services. For your convenience, an online banking demo is available here. If you wish to enroll please contact a bank representative for additional information.

BAI2 Reporting

Information reporting, provided in the standardized BAI2 file, is formatted to accommodate specialized account reconciliation requirements.

CD-ROM Imaging

CD-ROM imaging allows corporate customers to receive images of checks on a CD instead of images on the statement. At the end of each statement cycle, the bank captures images of all checks and transfers the images onto a CD and mails to the customer. This is a great service for corporate clients who issue a high volume of checks, do not want the trouble of storing paper items and need the ability to retrieve copies of checks quickly.

FedPayments Reporter Service

USAmeriBank’s FedPayments Reporter Service is the reporting tool that allows our ACH Originators to obtain detailed information on ACH Returns and Notice of Change Notifications. In addition, it provides direct access to the Federal Reserve System to view ACH transaction details for non-origination customers who require extensive detail on ACH transactions posted to their accounts. The FedPayments Reporter Service can be accessed using Secure Access Manager.

Receivables

Remote Deposit Capture

Remote Deposit Capture (RDC) enables businesses to deposit checks electronically rather than transporting them to the bank. With RDC, a business scans deposits and transmits an electronic file of check images over the Internet to the Bank. Using RDC, business customers can streamline their cash management function, lower operational and transportation costs and extend deposit cut-off times. Subject to credit approval.

Lockbox Image Services

Improve efficiencies while receiving payments faster with USAmeriBank’s Lockbox Service. USAmeriBank’s Lockbox Service provides an efficient, safe and cost effective method for you to receive, deposit and post payment receipts for low to high volume remittance accounts. With Lockbox, your receivables are sent directly to a local P.O. Box where we pick up your mail daily and handle the processing of payments for you. The funds are deposited directly into your account, accelerating your funds availability.

ACH Debit

Our suite of Automated Clearing House (ACH) solutions helps you initiate and move funds in as little as one day. Submit drafts on your customer’s accounts or concentrate funds from other banks by uploading your NACHA file or creating templates within SecureACCESSManager, making ACH debit origination quick and easy.

Merchant Services

USAmeriBank Merchant Services offers the latest point-of-sale terminals, software applications, wireless products and e-commerce gateways that provide the optimal credit card acceptance solution for your business. Your business can easily offer customers the convenience of paying with a debit or credit card.

This service provides businesses with the ability to accept electronic payments in the form of credit cards and debit cards. Our partner, Sterling Payment Technologies, also offers a variety of other services, including Electronic Check Verification, Check Guarantee and Check Conversion. They offer state of the art technology, with the latest point of sale terminals, software applications and wireless products to provide optimal solutions for our customers.

Payables

Business Bill Pay

Business Bill Pay allows our customers to spend less time writing checks and more time managing their businesses. Access reports and manage pending payments.

Direct Deposit

Our electronic payroll solutions greatly reduce the time and expense required to prepare, distribute and reconcile payroll and other ACH Credit payments. By leveraging SecureACCESSManager, your staff can quickly and conveniently initiate direct deposit payments, which also eliminates the need for your employees or vendors to go to the bank and deposit their physical check.

Purchasing Card

USAmeriBank Purchasing Card is designed to help companies streamline the procure-to-pay cycle by increasing efficiencies, reducing costs and eliminating paper-based processes. Numerous options are available to customize reporting and controls.

Wire Transfer Services

USAmeriBank’s Wire Transfer Services allow you to make secure, same day payments nationally and internationally.

LIQUIDITY

Credit Line Sweep

Credit Line Sweep is a service that automates the movement of funds between your checking account and Commercial Line of Credit. This service allows your company to minimize interest expense and maximize the use of your operating funds.

Repurchase Agreement Sweep Account

Utilizing a Repurchase Agreement Sweep, your excess balances can be swept into a Repurchase Agreement on a daily basis allowing your company to earn interest on operating funds. Approval Required.

Zero Balance Accounts (ZBA)

A Zero Balance Account structure automates the movement of funds between your USAmeriBank business accounts. This solution eliminates the need for staff to initiate manual transfers while maintaining the bulk of your business’ cash in as few accounts as possible.

FRAUD PREVENTION

ACH Block Services

USAmeriBank’s ACH Block Services are a convenient and inexpensive way to protect your accounts from unauthorized electronic debits, by blocking or preventing them from posting to your business accounts.

Full Check Block

A convenient and cost effective method to protect those accounts used only for deposits from unauthorized checks.

ACH Positive Pay

ACH Positive Pay is a service designed to protect your accounts from unauthorized ACH activity. This fraud detection service allows you to manage the ACH activity posting to your account to a list of authorized vendors and maximum dollar thresholds.

Check Positive Pay

Check Positive Pay is a service designed to protect your accounts from check fraud losses. With Positive Pay, customers have the ability to detect a counterfeit or fraudulent checks before the account can be compromised, by verifying both the dollar amount and check number.

Business Banking

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