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Whether you have basic cash management needs or require more complex solutions, our team of professionals will work with you to deliver services tailored to your business. We specialize in creating a suite of Treasury Management solutions designed to meet your unique needs.
Keep your business moving forward by streamlining processes, expenses and transactions.
An ACH transfer is an electronic money transfer that is processed through the Automated Clearing House Network (ACH). ACH transfers are a way to move money between accounts at different banks electronically so you can send or receive money quickly and securely. The ACH network processes two kinds of ACH transactions: debits and credits.
HOW IT WORKS:
Conveniently utilize ACH Services through Digital Banking. ACH transfers may be initiated by uploading a spreadsheet template, NACHA formatted file, or by creating a single item. Our team will provide customized training and ongoing support.
TYPES OF PAYMENTS:
Easily send and track wire transfers quickly and securely.
Pay your bills any time of day from any place you have Internet access with Bill Pay through digital banking. Save postage, time, and easily manage and review your payment activity!
* Messaging and Data Rates May Apply. Check with your mobile phone carrier for details.
** Fees may apply.
MOCA is a Next-Generation card-based payment platform that allows you to issue virtual or physical debit cards on demand
A MOCA Prestige Payroll Card is made for paying wages to employees and contractors – eliminating the need for checks. MOCA Prestige Cards can be used anywhere Visa is accepted and can be used by your employees in stores, online, in a digital wallet, or to get cash from an ATM or cash back at a merchant terminal. More convenient for you and better for your employees. A win-win.
Optimize your cash flow by simplifying account receivables with traditional or electronic methods.
Send us your customer-authorized debits in a single electronic file to enable faster processing of your funds.
Remote Deposit enables businesses to electronically deposit a wide variety of paper checks. For businesses that deposit checks each day, Remote Deposit is a more convenient way to make deposits and receive funds faster all while reducing liability and personnel expense of trips and time spent going to the bank. From small businesses to large corporations, our robust Remote Deposit is a secure delivery system that puts the ability to make deposits right at your fingertips – on your own schedule – 24/7 – from your own office.
Accepting Visa, MasterCard, Discover and American Express for payment is one way to instantly become accessible to more consumers and other businesses. Citizens Bank can customize a merchant program to fit your processing needs and assist with the necessary equipment purchase and set-up.
|Accept Multiple Payment Types||All major credit cards, debit cards (signature and/or PIN based), Electronic Benefit Transfer (EBT) payments and purchasing cards for corporate/government organizations.|
|“Gift & Loyalty Card Programs”||Gift and loyalty cards are a less expensive, more effective alternative to traditional advertising.|
|Ecommerce & Mobile Solutions||Accept payments through your website with shopping cart technology, or via your mobile device or tablet.|
|Reports & Billing||View reports online and receive customized billing statements. You may also integrate QuickBooks® with your merchant account.|
Put extra cash to work with Intrafi Network Deposits
ICS® and CDARS®
Earn interest on your deposits with FDIC-insured accounts today. Our IntraFi Network Deposit options, ICS® and CDARS®, are smart, convenient cash management or longer-term investment tools to safeguard your large deposits over the standard FDIC insurance maximum of $250,000.
Insured Cash Sweep (ICS) funds are eligible for multi-million dollar FDIC insurance and puts excess cash balances to work in an interest bearing checking account that earns you interest.
CDARS is a Certificate of Deposit Account Registry Service that offers full FDIC insurance on deposit amounts larger than $250,000.
If you’re not using CDARS, you are having to:
If you open a CDARS account, you will
Implement a fraud detection service that identifies and prevents potentially fraudulent or unauthorized check and ACH payments.
Check Positive Pay is a service that provides early detection of fraudulent, altered or counterfeit checks through a daily verification of checks presented for payment against a check issue file.
How it Works:
ACH Positive Pay is a service which allows you to manage ACH debits and/or credits posting to your business account via filters and blocks.
How it Works:
Easily manage your bank accounts when and where you want – ideal for businesses of all sizes. Free & Premium options are available with expanded reporting and enhanced functionality to meet the needs of your business.
Make an appointment to meet with Natisha, our Business Banker, to discuss how to manage your cash flow and working capital more efficiently using our suite of innovative tools and services, including accounts payable and receivables.