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Cash Management Services

  • Select the services that are right for your business.


    Bank Independent Business Banking offers the Cash Management Services below to help speed up cash flow, automate processes and lower your risk:

    ACH Credit
     and Debit – ACH (Automated Clearing House) electronic payments are a convenient, efficient and secure way to pay and to get paid.

    • Direct deposit of payroll into your employees' accounts.
    • Pay vendors' invoices electronically and on time.
    • Bill and collect customer receivables, membership dues and payments.
    • Eliminate potential errors and delays from paper checks and mail.
    • Enjoy the peace of mind of available dual control ACH processes.

    Bank Independent now offers Same-Day ACH, which means ACH recipients will receive funds in their accounts on the same business day the ACH was originated!* Ask your Business Banking Specialist for details.

    Independent Deposit (Remote Deposit Capture)
    ** – Make deposits from your desktop.

    Specialized BillingBank Independent offers accounts receivable financing through Interstate Billing Service to eliminate your:

    • Credit and underwriting decisions
    • Billing headaches
    • Collections
    • Bad debt exposure
    • Cash flow worries

    Wire Transfers – Need to send money immediately? We can help.

    • Domestic wires submitted by 2:00 p.m. Monday through Friday are delivered the same day.
    • Initiate wires easily and quickly through Online Banking.
    • Get an extra layer of security through out-of-band verification (you receive a one-time use text code to verify your transaction).

    Online Banking – Check your balances and execute transactions in an instant.

    Bill Pay – Pay bills anytime, anywhere for timely cash management.


    With all of our Business Banking programs, you will enjoy:

    • A dedicated non-commissioned Business Banking team at your service
    • Complimentary on-site consultations and follow-up
    • On-site setup and training 


    *Only credit ACH transactions of $25,000 and less are eligible for Same-Day ACH at this time.

    **Subject to eligibility requirements 

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