Let us customize a cash management solution for your growing business. With the right services, you’ll cut costs and add efficiency.
Streamline how your business pays and gets paid. ACH Services help you accelerate cash flow, reduce costs, and simplify payroll and payables—all while providing a secure, electronic alternative to paper checks.
- Move Money Faster - Expedite payments and accelerate your cash flow.
- Reduce Risk - Minimize returned checks and paper-based errors.
- Built-in Security - Send and receive funds with confidence using secure ACH transactions.
- Pay Vendors with Ease - Pay suppliers quickly, conveniently, and on schedule.
- Seamless Transfers - Move funds from other financial institutions directly into your Countybank account.
- Automatic Payroll Deposit - Employee pay delivered electronically, on time, every time.
- Lower Costs - Eliminate the expense of printing, mailing, and reconciling paper checks.
- Save Time - Simplify payroll and free your team from manual processing.
Bring your accounts together for greater control and visibility. Cash Concentration helps simplify accounting, improve liquidity, and make managing funds easier across your organization.
- Centralize funds into a single operating account
- Simplify reconciliation and reporting
- Transfer funds securely and efficiently
- Automatically fund Zero Balance Accounts (ZBAs)
- Pair with Liquidity Management to earn interest overnight
Put excess cash to work—automatically. Liquidity Management helps maximize earnings on idle funds while ensuring your business always has the liquidity it needs for daily operations.
- Turn idle funds into interest income
- Grow investment balances without added effort
- Improve profitability with fully automated transfers
- Works seamlessly with Cash Concentration or any business checking account
- Funds sweep into an interest-bearing account and return to checking as needed
- Secure, automated, and hassle-free
Zero Balance Accounts work seamlessly with a Cash Concentration account to streamline how your business handles funds. Use ZBAs to process disbursements or receive deposits while maintaining centralized control and visibility.
- Fund payments or collect receivables through individual ZBAs
- Maintain clear, organized bookkeeping and reporting
- Eliminate idle balances to help maximize earnings
- Automatic funding transfers when cash is needed
- Added security for both disbursement and receivables processing
Protect your business from check fraud and mail theft with Positive Pay—a powerful fraud‑prevention tool designed to give you greater control over outgoing payments.
How It Works:
- Compares checks presented for payment against your issued check file
- Automatically flags exceptions when discrepancies are detected
- Sends alerts so you can review and decide whether to approve or return a payment
- Helps ensure timely recovery of funds if fraud occurs
- Provides greater peace of mind with enhanced payment monitoring
Payee Match Protection
For enhanced security, the Payee Match feature confirms that the payee on your issued check file matches the payee presented for payment.* This extra layer of protection helps further reduce the risk of altered or fraudulent checks.
*Countybank cannot assume responsibility for any losses related to payee discrepancies if the Payee Match feature is not enabled.
Our fraud guide includes additional information on check washing, Positive Pay, and the Payee Match feature.