Commercial Client Services

ONLINE BUSINESS BANKING

Improve productivity. Increase accuracy. Reduce errors. Improve funds availability.

Business banking online provides secure, real-time account information, and access to ALL of your cash management services. You have the tools to:

• Access all of your accounts
• Transfer funds between accounts
• Create recurring transactions
• Send a stop payment request
• Initiate wire transfers
• Direct deposit payroll
• Initiate ACH transactions
• Get detailed ACH credit information using Electronic Data Interchange (EDI)
• Monitor check activity

Effectively manage your company’s cash.

As your business grows, your cash management needs change. No matter what the size of your company, you can tailor your cash management system to your own needs with SpiritBank’s cash management products and services.

Ready to take control of your finances?

Loan Sweep Accounts

Sweep excess funds to pay down your line of credit, your cash collateral account or any account’s target balance you choose.

• Minimizes interest expense – repays line of credit as funds become available
• Minimizes daily cash management tasks – eliminates excess time spent working with debt decisions

Investment Sweep Accounts

Earn income while you sleep.

At the close of each business day, SpiritBank automatically transfers excess balances into an interest earning account, improving your control of cash flow while reducing paperwork.

Commercial Money Market Accounts

Designed for business customers who want to earn competitive rates on funds. Tiered interest rate based upon average monthly collected balance. FDIC Insured.

Put Cash Management Investment services to work for you.

Account Statements

Efficiently reconcile your checking accounts.

Each month we will provide you with:

• a listing of all checks that have cleared your account(s)
• all miscellaneous debits and credits
• a summary report for the month that includes a beginning account balance, summary totals for the items above, and an ending account balance

Automatic Clearing House (ACH)

An effective alternative to sending checks.

Using the ACH to originate payments, you can set up employees for direct deposit, fund payroll debit cards and electronically pay your suppliers and vendors.

Wire Services

A great solution for same-day settlement needs.

Wire transfers are the fastest way to move funds from one bank to another. High-dollar payments and time-critical transactions are handled most efficiently due to the immediate availability of funds via a wire transfer.

Business Check Card

Pay directly from your business account everywhere Visa cards are accepted.

Take advantage of benefits like:

• Visa business debit cards are welcome everywhere Visa credit cards are accepted
• Save on business products and services at select merchants
• Business auto rental collision damage waiver
• Emergency card replacement and emergency cash disbursement
• Purchase security and extended protection
• Travel and emergency assistance services

Corporate Credit Card

• Visa Credit Card
• Track costs and expenses
• Optional rewards programs

The most innovative product since the ATM.

Make your commercial deposits from wherever you do business with our state-of-the-art solution.

What is it?
Remote Deposit is a secure, state-of-the-art technology that allows you to deposit checks into your business checking account from the convenience of your own office using SpiritBank software and a small desktop scanner.

How does it work?

• Check images and data are uploaded to your computer
• You transmit your deposit to SpiritBank over a secure internet connection

Who needs it?
Any business customer who:

• Receives checks and little to no cash
• Wants to use the most advanced state-of-the-art banking technology
• Wants to avoid traffic, bad weather or deposit deadlines
• Has multiple locations either locally or out-of-state

What are the benefits?

• Increased employee productivity
• Streamlines bank depositing from multiple business/office locations
• Make same-day deposits as late as 6:00 p.m.
• Virtual deposit ticket – no need to fill out a deposit ticket
• Research and reports at your fingertips
• Free individualized, in-person training and ongoing technical support

Whether it’s streamlined processes or increased production, every business strives for efficiency. Managing your business’ cash flow and bank deposits is no different.

Capture the benefits of Remote Deposit today!

Call Commercial Client Services at (877) 327-7660 or e-mail Commercial Client Services to get started.

Merchant Services (Visa/MasterCard)

Allows you to accept Visa and MasterCard.

• Equipment installation and staff training provided
• In-state sales and service
• Monthly transaction statements
• Competitive pricing

Positive pay is an automated fraud detection tool that matches the account number, payee, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by the company. All components of the check must match exactly or it will not pay.

ACH Alert is an automated fraud protection tool that is managed through business online banking. The service allows the user to review all ACH debits being posted to the account(s) and choose to return any payments due to fraud or other inaccuracy.

With ACH Alert, users will receive notifications to review any unusual ACH debit and add any fraudulent originators to a blocked list. Users may also create an approved list with a customized set of requirements to automatically pay any regular ACH debits.

Benefits include:

• Increased control over ACH payments
• Create a custom Approved and Blocked list
• Receive notifications for any unusual ACH Debits
• Greatly reduce risk and potential loss due to ACH Fraud

• Have a dedicated single point of contact to address your questions
• a customizable, all-inclusive payroll/HR solution, featuring a team of payroll specialists.
• Secure online access
• Competitive pricing