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Cash Management Solutions

At Country Bank, we combine a wide range of financial resources with a deep understanding of your business needs to help you achieve your financial goals. Whether you are a new or established business, we offer a complete line of specialized business products and services designed to improve cash flow and reduce administrative efforts.

Get more out of the work day by using the latest technologies. Business online banking allows you to view and manage your money without having to go to the bank. ACH origination and wire transfer services allow you transfer your money electronically, and you can even conveniently deposit checks remotely with our remote deposit capture service.

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  • Online Banking with Bill Pay

    When you sign up for online banking, you gain access to a variety of services designed to simplify your life. Manage your bills, make loan payments, track your spending, transfer funds and much more. It’s easy, quick, convenient and free.

    • Monitor account activity to verify deposits and withdrawals
    • Transfer funds between accounts
    • Make loan payments
    • View past statements and cleared checks
    • Set up one-time or recurring payments
    • Save money spent on stamps, checks, envelopes and late fees
    • Access a history of payments
    • More secure than sending checks through the mail

    Mobile banking with mobile deposit

    Make deposits with your mobile device conveniently and securely.

    • Secure, easy-to-use, and convenient 24/7 access to deposit your checks
    • Deposit checks using your Android, Apple® or Windows phone
    • Take photos of the front and back of your check and submit
    • Immediate confirmation that your check image has uploaded successfully
    • Ideal for customers with low check volume
  • Electronic Tax Payments

    Pay your taxes through Cash Management or by signing up with EFTPS.

    ACH Services

    Gain insight and increased control over your payables processes, while dramatically increasing the efficiency of your disbursement operations. With the Automated Clearing House (ACH) service, your customers’ regularly scheduled payments can be electronically deposited to your Country Bank checking account automatically.

    • Manage receivables and payables more efficiently
    • Establish direct deposit to automate recurring payments such as accounts payable, employee payroll, expense reimbursement and dividend payments
    • Reduce costs and inefficiencies of producing checks
    • Set up direct payments to simplify the collection of recurring payments such as accounts receivable, service fees, rent, leases, tuition, membership dues, donations, etc.
  • Remote Deposit Capture

    Remote deposit capture allows you to scan checks and transmit scanned images to Country Bank for posting and clearing from the comfort of your office. Checks can be scanned to create a digital deposit. This digital deposit is then transmitted over an encrypted internet connection to Country Bank for clearing and posting.

    • Save time, gas and money by eliminating trips to the Bank
    • Expedite deposits, reduce float, and simplify your banking strategy all from the comfort of your office
    • Check scanner that assists with image capture and transmission and settlement functions
    • Web-based product eliminates the need for software updates/maintenance

    Check positive pay

    Positive pay is the most powerful tool available to combat check fraud. This service monitors each check presented and matches it to a list of known issued checks. If there is a question or discrepancy, we flag it and let you know.

    • Check positive pay helps protect your account from counterfeit, duplicate and altered checks
    • Our business online banking is real time, so your account is protected as soon as we receive your issue file and items
    • Exceptions are identified and reported to you so that you can decide if they should be paid or returned
    • Flexible file formats
    • File extracts for check reconciliation
  • Wire Transfer Services

    Wire money or transfer funds across the U.S. and around the world with confidence. Country Bank is online with the Federal Reserve Bank, so you know your money is safe and your transfers are secure.

    • Arrange one-time or recurring transfers from your computer
    • Initiate outgoing wires to any financial institution in the United States
    • International wires are processed at the branch

    Line of Credit Sweep

    Our line of credit sweep automatically moves your company’s cash to where it benefits your business the most. Pay down your line of credit or replenish your business checking account.

    • Maintain a target balance so that you can borrow only what is needed to keep your account from being overdrawn
    • Pay down the line of credit automatically as cash becomes available in your account, minimizing interest expense
    • Reduce time and cost associated with monitoring daily liquidity, by making automated daily borrowing/investment decisions after all transactions have been posted to the deposit account
  • Credit Card Processing Services

    Country Bank can help you set up efficient credit card services quickly and easily, including timely customer support. We offer the latest in equipment, systems and service designed to help your business capitalize on the tremendous growth in credit and debit card sales volume.

    • Next business day funding
    • In-person, online and mobile payment solutions
    • Chip card/EMV terminals and tablet point of sale systems
    • Loyalty and gift card programs