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Time Saving Technology


Treasury Management


Account Details Features

Cash Management

Cash Management is online banking for businesses that have multiple users with different levels of access. Streamline your business functions by managing the financial side of your day-to-day business operations online, whenever and wherever it's convenient for you.

1. Initiate ACH transactions
2. Transfer funds between YCB accounts
3. Initiate wire transfers and stop payments
4. Pay down or draw on lines of credit
5. Check balances and view transaction history

Remote Deposit

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Remote deposit is an efficient way for businesses to conveniently make deposits while saving time, money, and improve productivity. Remote deposit allows you to capture deposited check images at your location and transmit those check images to YCB for deposit into your business account.

1. Increased availability and cash flow
2. Eliminate physical transport of checks to the branch for deposit
3. Extended deposit deadlines
4. Eliminate mail float
5. Reduction of deposit errors


Lockbox solution allows incoming payments to bypass your office and come directly to the bank. Your payments are processed timely and efficiently, relieving your staff of time-consuming clerical functions and delivery of deposits to the bank.

1. Increased efficiency
2. Reduces your cost by allowing the bank to process payments for you
3. Improved funds availability
4. Web-based information reporting
5. Interface with accounting software

Merchant Services

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Merchant Services is the acceptance of Visa, MasterCard, Discover, American Express or Diners as a form of payment. We process our merchants through Elavon which is the 3rd largest national processor which means that we are very competitive with pricing and are able to offer outstanding service levels.

1. 24 hour fund availability on VISA, MasterCard, & Discover into a YCB checking account.
2. Mirrored rates on Visa, MasterCard & Discover
3. One statement for all card types
4. No annual fees
5. Billed on net vs. gross