Business Banking - Business Services

ON-LINE CASH MANAGEMENT SERVICES
Balance Information Reporting
Through your own computer, you can access your accounts at any time to check balances, verify transactions or do reconcilements. This easy access provides you with timely accuracy for forecasting and decision-making. Plus, with this information at your fingertips, you can monitor and control your daily cash position and potentially reduce borrowings.

Wire Transfers
This service is the fastest, most efficient method for transferring money from one bank to another. Transfers improve your security and allow for immediate use of collected funds at another institution. With your authorization, wire transfers can be done at regular intervals or on a one-time basis.

ACH Origination
Companies can pay electronically through the Internet using the Automated Clearing House.

Cash Concentration
Through the Automated Clearing House (ACH), Buckeye Community Bank offers this service to give companies with multiple outlets the ability to accumulate funds rapidly. Each outlet is able to make deposits in a local bank, and with use of the ACH network, it will credit your concentration account for use of the funds the next day. Cash Concentration Service reduces the clerical functions and costs associated with funds gathering, and accelerates the collectability and availability of your money.

**Check Imaging
Companies can see an image of their checks presented on a real time basis.

Funds Transfer
Funds may be transferred between Buckeye Community Bank accounts anytime, day or night.

Stop Payment
A stop payment order may be originated at any time.

Account Reconciliation
Using Internet Banking, companies can download their current statement of activity and reconcile accounts quickly and efficiently. Many accounting programs will interface directly with Buckeye Internet Banking.

OTHER BUSINESS SERVICES
Tax Payments
Using the Electronic Federal Tax Payment System (EFTPS), companies can make payroll and estimated income tax deposits quickly and efficiently.

Equipment Leasing
When you lease you can conserve cash, hedge against inflation and possibly realize significant tax advantages. Leasing is available for practically any equipment your business may need including machine tools, production equipment, furniture and computers.

Zero Balance Accounts/Sweep Accounts
These commercial checking accounts contain no cash balances. At the close of each business day, funds from your master account are transferred to the Zero Balance Accounts to cover payments, or excess funds in the Zero Balance Accounts are transferred to the master account. This concentrates your cash into a single account and increases your balance available for investment. The bank will collateralize these accounts with U.S. Treasury securities. Sweep Accounts are not considered depository accounts and therefore, are not FDIC insured.

Lock Box
With this service, your receipts are sent to the main local post office from locations across the city, region or country. We pick up the receipts and process them, then we deposit all checks in your account and forward you the remittance information.

A lock box speeds up delivery, reduces the float period and accelerates the conversion of your receivables into cash. It saves time for your employees by eliminating the need to open the mail, prepare the deposits and deliver them to the bank. The added security of knowing your money is going directly to your account, along with improved control and funds availability, makes this program an excellent benefit for business owners.

Direct Deposit of Payroll
This service allows a company to quickly and efficiently transfer funds into an employee's checking account, no matter where they bank. This provides significant time and cost savings and eliminates the preparation and processing of checks. Direct deposit also strengthens your company's cash forecasting ability by minimizing the risk of lost, stolen or forged checks.

Account Analysis
Buckeye Community Bank attempts to structure your services to maximize the profitability of your banking relationship. Through analysis, your accounts will be grouped together to give the credit you deserve for all collected balances. This reduces the expense for those companies required to keep multiple accounts.

Merchant Credit Card Processing
To handle credit cards, a merchant can process credit card sales activity through Buckeye Community Bank. The bank's charge for this service is the "discount rate." Options for processing credit card receipts range from traditional paper processing to point-of-sale operations and the more advanced electronic data capture (EDC).

Courier Services
With pick-up service of your deposits, our closest branch is in your office! Daily, semi-weekly or weekly service is available. The courier is controlled and contracted by you and we will assist in customizing this service to meet your needs

EDI - Electronic Data Interchange
Incoming and outgoing ACH items may be annotated with descriptive information referencing invoice or purchase order numbers.

Third Party Payroll ACH Origination
Buckeye Community Bank will interface with your payroll service provider to originate the direct deposit to your employee's accounts.

Notary Service
Notarization of signatures is available through our staff.

After Hours Depository
A night depository is available at our location using a key access system.

Bank-By-Mail
Deposits are gladly accepted through the U.S. mail. Please see your banker for a supply of Bank-by-Mail envelopes.

Buckeye Direct
Buckeye Direct is like bringing the bank's teller window to your business. No longer do you need to bring check deposits to the bank. Scan your checks for deposit creating electronic images and transmit them to the bank over a secure network. We do the rest, processing your deposit as if you made it in person.

Demo

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