FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Business Services and Treasury Management
Keep Your Business Running Smoothly with Services that Work for You.
Running a business takes time, focus, and the right financial tools. From deposits to payroll to purchases and beyond, we’re ready to help. We’re local enough to know your business, yet large enough to bring you great rates, low fees, and modern banking tools and local expertise.
Business Online Banking
Save time and money and access up-to-date, real-time account information when you use our Business Online Banking service.
Notes:
- Check deposit and loan balances, transfer funds, make payments, and view and print e-statements.
- Pay bills electronically using our Bill Payment service or set up ACH payments.
- Grant employees access rights that ensure separation of duties and bolster internal controls.
- Optional access to ACH Origination, Remote Deposit Services, Online Wires, and Positive Pay subject to application and bank approval.
Online Wire Transfers
Set up domestic or international wires directly through Online Banking. Conveniently schedule recurring daily, monthly, or quarterly payments.
- Initiate same-day domestic or international wires by 2:30 PM.
- Create templates to set up recurring daily, monthly, or quarterly payments.
- Dual control is required to initiate and approve a wire.
- Security tokens and PIN are assigned to each user to prevent unauthorized access.
- User alerts are sent to pending wires that require action for approval.
ACH Origination
Improve cash flow and eliminate check writing and receiving by setting up ACH Payments and Collections. We make it simple.
- Send one-time and recurring payments (like payroll or vendor payments) directly from our online business banking platform.
- Receive pre-authorized payments.
- Create, edit, and initiate/approve ACH files.
- Create templates to easily send reoccurring ACH files.
- Set up direct deposit for employees or pay vendors and suppliers.
- Collect payments electronically from clients or vendors.
- Control timing of accounts receivable by eliminating mail and delivery delays.
- Security tokens and PIN are assigned to each user to prevent unauthorized access.
Positive Pay
We keep check fraud at bay by verifying issued checks and ACH transactions before they’re processed.
- Send us a digital file of checks issued which we compare with checks presented.
- Be notified of any discrepancies so you can authorize or withhold payment.
- Create parameters for any ACH debits you authorize based on the vendor or amount.
- Helps detect and reduce the risk of unauthorized transactions.
- Have more control on checks and ACH debits.
- Review flagged items daily and make informed decisions on whether to pay or return the item by 11:00AM.
- Reduce losses from fraudulent checks and ACH transactions, saving your business time and money.
Mobile Deposit
Deposit checks anywhere and anytime using RCB’s Mobile Banking app on your device.
- Reduce return item risk by having a faster clearing process.
- Receive email notifications on your deposit status.
- View mobile deposit history.
Remote Deposit Services1
Skip the trip to the bank and deposit checks directly from your office, saving time while keeping your cash flow on track.
- Streamline your deposit activity and get next-day funds availability.
- Use our business online banking to process check deposits from the convenience of your office.
- Accelerate cash flow by depositing checks faster and more often.
- Reduce return item risk by having a faster clearing process.
Digital Escrow and Rent Collection
Streamline and simplify payments, collections, and account management with secure digital tools for your business.
Learn more about ZEscrow
Learn more about ZRent
- ZEscrow: You can now open, close, fund, track and organize your subaccounts on any digital device with the ability to track, submit and collect all necessary documents through an easy-to-use online portal.
- ZRent: Our digital rent collection platform offers true convenience for landlords, property managers, and occupants. By automating the collection of rent and condo dues, this tool saves time and eliminates hassle.
Business Credit Card
Our business credit cards offer four options with rewards and features to streamline operations—all backed by the local service you trust.
- Expense management tools
- No cost employee cards
- Email and text fraud monitoring and alerts
- Credit line sharing
- Mobile payments
Payroll and HR Services2
Your employees are your most valuable asset—let us help you pay, manage, and support them efficiently.
- Through our partnership with The CIP Group, Inc., we offer competitive pricing for compliance, payroll, and human resource solutions regardless of what size business you are.
Merchant Services2
Accept card payments quickly and easily with help from our merchant services partner, Paystri.
- Transparent pricing designed to help businesses better understand processing costs.
- Free card terminals for qualified businesses.
- Around-the-clock support from Paystri’s in-house Customer Success team.
- Technology that connects all payment acceptance points (in-store, online, and over the phone).
- Paystri experts consult directly with businesses of all sizes to select payment solutions and card terminals designed to help them grow.
- Reliable and innovative card processing technology at a competitive rate from our locally-based partner.
Sweep Services
Maximize the return on your working capital by automatically moving excess funds into interest-earning or strategically managed accounts.
- Zero Balance Account (ZBA) Sweep: allows business to set up subaccounts for payroll, travel reimbursement, debit card expenses or other needs to transfer funds from a concentration account. A zero balance is always maintained.
- Overnight Investment Sweep: automatically transfer from a Business Checking Account into a Business Money Market or savings account on idle cash based on a target balance that you decide.
- Sweep to/from line of credit: automatic transfer to pay a loan down or draw from a loan into a checking account to prevent overdrafts.
- 3-way sweeps operating/investment/loan: business can prioritize where funds go and in which order.
Lockbox
Let us take care of your deposits for you. If you have a high volume of check deposits, we can pick up your checks from a P.O Box and make the deposits for you. Save time and money from worrying about making the deposits internally or coming to a branch.
- Shortens processing time as payments are received and deposited same day.
- Increases business productivity by not having an employee travel to the bank, prepare banking slips, or maintain accounting reports.
- Provides a centralized location for all accounts receivable.
Connect with Our Treasury
Management Expert
VP, Director of Treasury Management Christopher Dias, CTP, will work with you to understand your business needs to recommend the best services to improve your treasury management.
