AUTOMATED CLEARING HOUSE (ACH)

Save time and money with ACH transactions. ACH provides for faster, more reliable payment delivery. Additional benefits of ACH payments include improved efficiency and security, mitigation of fraud risk, better prediction of cash flow, and reduction of paperwork. Take advantage of our Total Business solution to electronically manage payroll, and expense reimbursements, vendor payments, and any other recurring payment types.

WIRE TRANSFER

Originate wire transfer payments through our Total Business solution or by visiting a convenient CNB branch. Wire transfers are a quick and safe way to send and receive large dollar payments at your convenience. With Total Business, you can designate key individuals to initiate, approve, or release wire transfers while requiring passwords and tokens for additional layers of security. 

COMMERCIAL CARD

Simplify and streamline purchasing and accounts payable processes with CNB’s Commercial Card. Commercial Cards provide your employees with a safe and convenient method to pay for business travel and company purchases while providing you with spending control, transaction detail, and expense visibility needed to help manage your business. Card transaction details can be integrated with existing financial systems to simplify reconciliation and settlement. 

PAYROLL CARDS

CNB partners with Prepaid Technologies to offer a Payroll Card option in lieu of issuing paper checks. Payroll cards are easy to use and function like a checking account with access to ATM withdrawals and purchasing power at 20 million merchants. Cardholders have access to electronic or paper statements and card support for balance information online or over the phone. Payroll cards are easy to implement with no hardware or software requirements, and reduce the risk associated with cash safekeeping or lost/stolen checks.

CHECK POSITIVE PAY

If your business hasn’t been a victim of check fraud yet, it possibly could be; check fraud is on the rise throughout the country. Check fraud is a costly problem for businesses. Positive Pay saves you from the hassle that arises when forged or altered checks clear against your bank account. This service is accessed through CNB’s Total Business solution and allows your business to stay one step ahead of criminals, protecting your account against check fraud. Check Positive Pay provides your business with the enhanced ability to identify and return fraudulent items by comparing checks issued by your business to checks presented for payment against your CNB Checking account. We provide personal one-on-one service to verify if you issued the checks posted to your account.

PAYEE POSITIVE PAY 

Get all the benefits of Check Positive Pay plus added security with a tool that matches payee names, in addition to check number and amount fields. 

ACH POSITIVE PAY

Step up your account security and fraud protection with ACH Positive Pay. You will receive notifications of incoming debits for unauthorized or potentially fraudulent transactions based on parameters you set. Detect unauthorized Automated Clearing House (ACH) debit transactions and return them electronically, through CNB’s Total Business Solution, without ever leaving your office.

ZERO BALANCE ACCOUNTS

Our Zero Balance Account (ZBA) allows you to manage separate accounts to support payroll, investments, petty cash, or other needs. You can maximize interest and minimize idle balances while preventing unnecessary overdraft fees. 

INVESTMENT SWEEPS

Our Investment Sweep product allows you to manage cash flow more efficiently and maximize your income by transferring idle collected balances into an investment account that earns a competitive interest rate.

LOAN SWEEPS

Our loan sweep allows you to disburse funds without having to manually move money between your checking account and line of credit. You can minimize borrowing and interest expenses while efficiently managing your line of credit. Get unlimited transfers between your checking account and line of credit and borrow exactly what you need.