Treasury Management

Pay any bill through online banking. Electronic and check options are available. Includes a payroll module for direct deposit, ideal for small businesses with a limited number of employees.

• Remote Deposit Complete
  Allows remote deposits via a check scanner connected to a PC or Mac. MICR corrections are made by ProfitStars.
• Remote Deposit Now
  Allows remote deposits via a check scanner connected to a PC or Mac. MICR corrections are made by you.
• Mobile Remote Deposit Capture
  Allows remote deposits via a mobile device.
• Guided Payments
  Allows you to collect from customers who provide you with their bank or credit card information via a pre-authorized agreement or phone conversation (requires written follow-up confirmation). It's easy to set up one-time or recurring payments and may also be used to issue vendor payments electronically.
  

Upload a NACHA file, or manually input the recipient's routing and account number, to pay or collect funds electronically.

Transmit one-time or recurring domestic wires. The same-day cutoff is 3 p.m. A per-wire fee applies.

A fraud protection tool that compares checks you've issued against those presented for payment. Requires daily file upload.

Secure Tokens

Secure Tokens provide a one-time-use password for accessing the online banking system. Because the code changes every minute and is required at each login, only someone with the token can access your accounts. This significantly reduces the risk of unauthorized account access.

ACH Origination

With ACH Origination, you can create electronic payments and deposits. These transactions can be either debits or credits. Examples include:

Payroll Benefits

Direct deposit makes payday simple for your employees. There's no more heading out to deposit or cash a paycheck — the funds are already in their accounts.

• Only one debit is posted to your business account each payroll cycle, eliminating the need to reconcile individual payroll checks.
• Your business will use far fewer checks, and you no longer need to sign all of those paychecks.
• You won't need to reissue checks or place stop payments on lost payroll checks.

ACH Debit Payments

Examples of recurring payments could include monthly utilities; fitness club dues or other membership fees; property management fees; donations; and other continuing payments.

• Your payments arrive on their due dates.
• You have immediate access to funds.
• You eliminate the need to send out additional notices or pay collection fees.

Vendor Payments

ACH Origination can also be used to pay other third parties, such as vendors, suppliers, or customers. It eliminates paper checks and provides a more efficient way to manage bill payments.

Wire Transfer

With Wire Transfers, you can electronically send funds while maintaining the efficiencies associated with the fast, secure movement of money.

• You can send both domestic and international wires.
• You can initiate wires online with dual control, giving your business the option to separate authority between users.

Business Bill Pay

When you're in business, saving time is saving money. That's why we created Business Bill Pay, a service designed to eliminate time-consuming tasks like bill preparation and check writing. With Business Bill Pay, you can pay expenses quickly and easily online.

• Track payment history and account balances.
• Set up and manage recurring payments.
• Make person-to-person and bank-to-bank payments.
• Pay individuals electronically by simply sending them an email or text message.
• Receive alerts and/or reminders when bills are due via text, email, or both.

Remote Deposit

With Remote Deposit, you can scan, image, and deposit your checks electronically, which eliminates a trip to the bank.

Additional benefits include:

• Speed, savings, convenience, and security.
• No need to purchase, install, or maintain software.
• Improve efficiency and profitability.

RemitPlus Express

Make processing easy. RemitPlus Express is a hosted, full-feature remittance solution that lets business banking customers process checks, payment vouchers, stubs, envelopes, correspondence, and coupons.

• Supports desktop/TWAIN scanners of up to 190 documents per minute. No software to install (other than scanner drivers).
• Supports more than 80 billing and accounting systems.
• With advanced character recognition, RemitPlus Express reads uploaded documents, stores amounts, endorses checks, and saves selected identifiers from the coupons (whether free-form, handwritten, barcode, or OCR) significantly reducing errors generated through manual entry.
• With an intuitive user interface, users are just a few clicks away from scanning, entry, balancing, depositing, and exporting to virtually any billing system directly from their internet browser.

SmartPay Express

SmartPay Express makes it easier for small businesses, nonprofits, and other organizations to accept online payments or donations. It's an ideal option for businesses looking to expand their revenue stream without access to, or a need for, shopping cart functionality.

• Provides a secure, hosted payment acceptance portal that can be custom-branded for any small business or nonprofit organization.
• Requires only a minimal amount of technical setup to link from an existing website.
• Allows processing of a variety of payment types, including single or recurring payments from a checking or savings account, or even a debit or credit card.
• Permits your customers to view information about past payments or donations.

Mobile Remote Deposit Capture

With Mobile Remote Deposit Capture, you can deposit checks electronically into your business accounts without visiting a branch or ATM. You can make the deposit anywhere using your smartphone.

Merchant Services

Whether you accept payments online, by phone, in-store, or on the go, we have a solution that will fit your business.

Sweep Services: 

Zero Balance Account

Manage the disbursement process with a Zero Balance Account. Funds transfer automatically from the funding account to cover disbursements, keeping everything conveniently organized in one special-purpose account.

Repurchase Agreement (REPO)

Deposits collateralized at 103% of balances by bank-owned securities safekept at the Federal Home Loan Bank Des Moines (FHLBDM); funds held in REPO account are not FDIC-insured.

Loan Sweep

A Loan Sweep provides an automated method of managing excess funds with a Line of Credit. Excess funds over a specified sweep point are swept from the checking account to pay down the loan. A loan advance will automatically occur if the checking account balance falls below the established sweep point.

Insured Cash Sweep

With ICS, or the Insured Cash Sweep service, funds placed in demand deposit accounts, money market deposit accounts, or both may qualify for FDIC insurance coverage well beyond $250,000.

• Receive just one regular, monthly account statement.

 Certificate of Deposit Account Registry Service (CDARS)

CDARS — the Certificate of Deposit Account Registry Service — offers multiple benefits, combining the security of access to FDIC insurance above $250,000 with the ability to earn interest.

• Work directly with Bank of the San Juans to make large deposits eligible for FDIC insurance.
• Earn one rate for each CD maturity and enjoy the option of reinvesting funds through a simple process.
• Receive one statement summarizing all your CD holdings.

VISA® Business Cards

We offer a variety of business credit cards to meet your needs. Separate your business and personal expenses while you enjoy:

• Free 24/7 online access for managing your account. Your Authorized Company Representative can view transaction activity and history, pay your bill, set up your alerts, and more.
• Free management reports to help you track expenses, monitor your spending, spot tax deductions, prepare your tax filings, and forecast expenses more easily.
• Cash flow management with the flexibility to cover the cost of supplies, equipment, travel, and more.

Business Online Banking

Online banking is one of the easiest and most convenient ways to manage your business finances. It makes it easy to transfer funds between accounts and stay on top of your finances by viewing current transactions and seeing actual images of checks and deposit slips.

• Access your statements from up to 18 months ago.
• Download account information to most money management software, a word processing document, or even a spreadsheet.
• Easily and conveniently make loan payments.
• Set up email/text alerts.
• Direct Connect with QuickBooks.
• Order checks and much more!

Business Mobile Banking

Take your banking needs anywhere! It's safe, secure, and ready to use whenever and wherever you have internet access.

Business Mobile Banking makes it easy to:

• Conveniently transfer funds between accounts.
• Stay on top of your accounts by viewing current transactions and seeing actual images of checks and deposit slips.
• Access bank statements from up to 18 months ago.
• Easily and conveniently make loan payments.
• Pay bills.
• Set up email/text alerts.

QuickBooks Integration

Eliminate tedious, manual data entry by connecting to your accounts and automatically downloading transactions. Your data flows directly into your books, so you can review everything in one place.

eStatements

• Faster Delivery
   You have access to your statements online as soon as they're available, not when the postal worker delivers them.
• Digital Statement History
  You'll have access to your statements online for up to 18 months. Your eStatements are in PDF format, so you can easily save or print them.
• Flexibility
  Have some accounts you still want delivered to your mailbox each month? With eStatements, you have the ability to pick and choose which accounts you'd like to view digitally.
• Lower Risk of ID Theft
  Fewer paper statements in your mailbox means less exposure to identity theft. Online statements are protected and encrypted on your online banking platform.

To receive eStatements, you must be enrolled in Online Banking.

ACH Positive Pay

Automated Clearing House (ACH) Positive Pay provides you with the tools to proactively prevent unauthorized transactions on your account.

• ACH Positive Pay involves maintaining a list of “pre-authorized” ACH transactions that the system will compare and verify.
• ACH debits and/or credits will be automatically flagged if an incoming transfer does not match your authorized list. You review the flagged transaction and choose to pay or reject this exception. Those items that are not decisioned will be automatically paid against the account.
• ACH Positive Pay allows only the ACH debit and/or credit transactions that you specify to post to your account.

Check Positive Pay

Protect your company against costly check fraud with our Positive Pay service. Each check presented for payment will be compared against checks you have issued, and we will notify you of any mismatches. You can view mismatches or exceptions online.

• Reduce Potential Losses Due to Check Fraud
  Positive Pay helps protect against altered and counterfeit checks by giving you the opportunity to return items preventing fraud.
• Make Pay-or-Return Decisions with Confidence 
  See actual images of exception items via Online Banking, so you can quickly and easily determine the correct disposition of any checks with discrepancies.
• Funds Stay under Your Control 
  Timely return decisions keep funds in your account, avoiding delays and the risk of loss associated with late returns.