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Today's Featured Rates
As of: May 18, 2013
| Interest Checking ($0 - $1,499) | 0.01% |
| Interest Checking ($1,500 - $4,999) | 0.01% |
| Interest Checking ($5,000 - $9,999) | 0.02% |
| Interest Checking ($10,000 +) | 0.03% |
| Maximum Money Market^ ($0 - $9,999) | 0.01% |
| Maximum Money Market^ ($9,999 - $99,999) | 0.05% |
| Maximum Money Market^ ($100,000+) | 0.11% |
Cash Management
Streamline your business functions with Cash Management from Your Community Bank. Manage the financial side of your day-to-day business operations online, whenever and wherever it’s convenient for you. With Cash Management, you have access to the following features:
- 24/7 Banking
- Initiate ACH (Automated Clearing House) transactions
- Pay down or draw on lines of credit
- Transfer funds between accounts
- Make loan payments
- Initiate wire transfers
- Initiate stop payments
- Multiple company users
- View transaction history
- Check current and prior daily balances
- Communicate with the bank in a secure environment through our Message Center
Business E-Delivery
Sometimes called “Remote Capture” or “Merchant Capture,” Business e-Delivery allows you to capture deposited check images at your location and transmit those check images to Your Community Bank for deposit into your business account. Business e-Delivery provides you with the following features:
- Increased availability and cash flow
- Elimination of the physical transport of checks to the branch for deposit
- Extended deposit deadlines
- Convenience and safety
- Reduction of deposit errors
- Elimination of the “mail” float
- Consolidation of deposit account relationships
- Reduction of fees associated with multiple financial institution relationships
Merchant Services
Your Community Bank can provide a variety of solutions for all of our customers’ credit card processing needs. We have partnered with the nation’s third largest credit card processor and are able to offer processing solutions for the following:
- Visa, MasterCard, & Discover
- Pin-based Debit
- Commercial Cards
- Purchasing Cards Level III
- Fleet Cards
- EBT
We understand that choosing the right payment partner can be critical to your bottom line. When compared to other processing networks, Your Community Bank, along with the Elavon Network, can deliver the most powerful platform in the industry. MasterCard has rated the Elavon Network #1 for reliability and availability. Redundancy is built into every system, which assures 100% uptime and extends a peace of mind during peak sales seasons.
Your Community Bank can also provide our valuable customers with a variety of products that can offer additional revenue streams as well as assist in making operations more streamlined. A few of these value added products are gift cards, loyalty cards, check guarantee and conversion.
Here are some additional benefits that Your Community Bank can offer each of our processing merchants:
- 24 hour fund availability on Visa MasterCard, & Discover into a Your Community Bank checking account
- Mirrored rates on Visa, MasterCard & Discover
- One Statement for all card types
- No Annual fees
- Billed on Net vs. Gross
- No daily billing
- Point of sale solutions that meet the business environment
- Software & Internet Processing solutions
- On-line reporting options
Lockbox
One of the most critical areas for many corporate clients is the receipt and collection of monthly payments from customers. Some of the benefits that can help your business are the following:
- Increased efficiency
- Improved funds availability
- Web-based information reporting
- Interface with accounting software
Your Community Bank’s Lockbox solution allows incoming payments to bypass your office and come directly to the bank for processing. Your payments are processed timely and efficiently, relieving your staff of time-consuming clerical functions and delivery of deposits to the bank. You enjoy complete access to payment and remittance information on disk or online.
