DBQ_SBBusiness Banking Brochure

Business Online Banking Save your business time and money. It’s safe and secure. With 24-hour online banking, you or your authorized employee can perform important cash management functions–putting decision-making abilities at your fingertips while reducing administrative time. Business e-Statements E-statements are the safe and green way to receive your monthly statements via business online banking on your office computer. Digital Deposit Digital deposit is American Trust’s remote deposit solution. With digital deposit you are able to scan images of checks right in your office, and submit those images electronically for deposit. There is no need to make a trip to the bank. Deposits can be made right up to 5:00 p.m. and still be credited the same day. Digital deposit is especially beneficial for the business with a remote location. Deposits can be made immediately to American Trust without having to be deposited in a local bank and then transferred. Lockbox With this arrangement, a company’s receivables are collected in a special Post Office box and processed by American Trust daily. This procedure accelerates the processing of payments—increasing the availability of cash for your business—as it maximizes the number of items processed in one day. Automated Clearinghouse (Direct Deposit/Direct Debit) Direct deposit payroll and automated payments are a cost- and time-efficient way to improve cash flow, reduce check writing, and keep employee payroll information confidential. The automated clearinghouse is the central clearing facility that receives electronic entries from originating financial institutions, distributes the information to receiving institutions, and performs the settlement function for the participating institution. Sweep Processing Transfer excess funds between accounts based on specific dates or dollar levels—for example, to pay down on an existing line of credit or to invest overnight. Sweep processing offers an efficient means of cash-flow control for multiple accounts.

Electronic Data Interchange Electronic Data Interchange (EDI) is the exchange of data between two businesses in an electronic format. Occasionally the date includes an addenda record to a preauthorized electronic entry to a checking account. Many vendors include payment-related information with ACH credits or debits. We have the ability to decode this entry and provide it to your business in a user-friendly format. Online Business Card Management The eZBusiness Card Management solution provides your company the ability to oversee and manage your credit card accounts via access to a robust online program. View real-time transactions, adjust credit limits, make payments from multiple checking accounts, view statements immediately, and perform maintenance all with this efficient and comprehensive tool. Expense Management American Trust offers expense management to help your business electronically process, approve and audit employee credit card and out-of-pocket expenses. These costs include, but are not limited to, expenses incurred for travel and entertainment. No matter the size of your business, we have an expense management solution to fit your needs. Accounts Payable Cards If you are looking to create efficiencies and earn on your accounts payable, an American Trust Visa ® Accounts Payable card may be the solution for your business. With an accounts payable card, a card number is issued Credit Card Services