Business Cash Management

Now, you can reduce the time it takes to manage the finances of your business by using the online cash management services of Excel National Bank. Our business account specialists will assist you in using the suite of services that best meet the needs of your company. Excel National Bank uses industry standard SSL 128-bit encryption to ensure your account information remains safe and confidential while traveling over the Internet. The features that are available include:

Manage your accounts at your convenience

• Reduce the chance of becoming a victim of identity theft by keeping track of all your account balances every day.
• Review a consolidated picture of all of your Excel National Bank accounts, including checking, savings, money market, business loans and more.
• Establish multiple accounts and receive earning credits for funds on deposit.
• Review a daily statement of activity for the current month.
• Verify transaction activity for checking accounts, savings accounts, ATM cards and debit cards.

Create strong controls for your business accounts

• Assign transaction privileges by individual and by account.
• Allow some employees to process transactions and others view-only access.
• Authorized supervisors can change employee privileges at any time from their PC.

View paid check images

• See an image of each check your business issues on the day it is paid.
• Verify that the party you sent your check to has received it, and when.
• Print your own copy for up to 90 days after it is paid.

View past account statements

• Research transactions from as long as 12 months ago.

Transfer funds between your accounts at Excel National Bank

• Move idle funds to higher earning savings or money market accounts for greater earning power.
• Move funds into your checking account from savings to cover checks you have written.
• Transfer funds to savings to save for a future event or purchase.

Maximize earnings with a Zero Balance Account

• Automatically transfer your business' idle funds from your checking account to an interest earning savings account.
• Every night, the funds in excess of an amount you determine (even zero) will be moved to a business savings account.
• If funds are needed to cover checks or other debits, the amount needed is transferred back to your checking account.

Email alerts automatically keep you aware of account activity

• Be notified if your account balance exceeds or falls below amounts you specify.
• Be notified when wire transfers or ACH transactions are received.
• Reduce identity theft opportunities by keeping aware of your account activity.

Stop payments can be requested online at any time

• At the same time, you can check your account transactions to see if the check has already been paid.
• Some restrictions to this service may apply to your specific transaction. We will contact you if necessary.

Initiate Wire Transfer Requests

• Order wire transfers securely from your PC
• Duties can be segregated requiring two or more employees to complete the process
• Confirm the transaction online

ACH Services

• Create ACH files and transmit them directly to Excel National Bank for processing through the national ACH system.
• Receive payment for services when pre-authorized by your customers.
• Electronically deposit your employees net payroll directly into their account at any financial institution in the U.S.

If you already have a business account at Excel National Bank, click here to enroll in Online Business Cash Management.

Click here to establish a business account at Excel National Bank and begin taking advantage of the great services we provide.