Payments & Cash Management Services

See how our new Treasury Management system can help you grow your business.

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Receivables

Collecting money has never been easier with Altabank’s receivables solutions for business. Electronic receipt, remote deposit and an array of customer payment methods allow for faster processing and reduced administrative overhead.

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ACH Transactions

Electronically receive funds from any other financial institution, giving you the ability to quickly convert payments into cash assets.

ExpressDeposit™ / Remote Deposit Capture

ExpressDeposit^™ is Altabank’s remote deposit capture service that brings the bank to you. Deposit checks remotely from your phone or a small desktop scanner to collect funds faster and minimize deposit preparation time.

Merchant Services

Accept and process customer credit and debit payments made in person, online or on the go.

Lockbox Services

Direct customers to send check payments to a post office box from where we retrieve and process them, then deposit the funds directly into your company’s bank account.

Loomis Cash Management Services

After depositing cash into your SafePoint Titan® smart safe, the deposit shows up in your account in the form of provisional credit before the Loomis secured armored transport even collects it.

Payments

Altabank offers hassle-free payment options, whether you’re sending large payments electronically or tracking spending on employee credit or debit cards. You’ll always have access to real-time status reports through your business online banking account, eliminating time-consuming manual data entry and oversight.

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ACH Transactions

Send one-time or recurring electronic payments from your bank account to financial institutions anywhere in the U.S.

Wires

If your business sends large domestic payments, is involved in international trade or has other reasons for sending electronic wire transfers, Altabank can offer online wire services for both domestic and international payments.

Visa® Business Rewards Credit Card

Turn business costs into reward points with our Visa® Business Rewards credit card with no annual fee.*

Visa® Business Debit Card

Funds are taken directly from your BizSmart™ checking account so you always have an accurate picture of your real-time spending.

Business Bill Pay

Business Bill Pay is a convenient online tool your business can use to issue payments from your BizSmart™ checking account to approved payees.

Information & Cash Flow Management

Harness the power of our automated tools to make the most of your business finances. Our sweep accounts help manage debt and maximize interest, while our commercial online banking and mobile banking platforms allow for simple yet sophisticated information management of your business accounts to help you maintain liquidity and mitigate risk.

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Treasury Management Commercial Online Banking

Our robust commercial online banking platform offers business customers a complete financial overview of day-to-day cash flow, as well as long-term financial positions.

Mobile Banking

Access your accounts on the go with our mobile banking app for iPhone®, iPad® or Android™ or through our mobile banking site.

Investment Sweep Accounts

Investment sweep accounts are an effective, low-risk way to balance your needs for cash flow and investing by “sweeping” excess funds in your BizSmart™ checking account into a secondary, higher interest-earning investment account.

Loan Sweep Accounts

Pay down your loan balance by “sweeping” excess funds in your BizSmart™ checking account into your line of credit daily.

Zero Balance Accounts

Use our fully automated transfer process to eliminate idle balances by keeping amounts only large enough to cover checks in your secondary accounts while your primary account benefits from the excess balances.

Fraud Prevention Services

Our Positive Pay fraud prevention services allow you to review incoming checks and ACH transactions before they are processed to guard against fraudulent activity.

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Check Positive Pay

Catch check fraud before it happens with our unique fraud protection service that reduces the risk of loss and payment of fees due to unauthorized, lost, stolen or duplicate checks.

ACH Positive Pay

Review incoming ACH transactions before they post to your account so you don’t unwittingly accept unauthorized funds.

Commercial Deposit Solutions

Choose from an array of checking and savings accounts that offer a wide range of services and benefits for businesses of all sizes.

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BizSmart™ Checking Solutions

Whether you’re looking for interest, low fees or easy-to-understand itemized statements, our family of BizSmart™ checking accounts offers a wide range of services and benefits for businesses of all sizes.

BizSmart™ Savings, MM & CDs

If you don’t need frequent access to your deposits, you can earn a higher rate of interest on your parked money with our Statement Savings, BizSmart™ Money Market account and Certificates of Deposit (CDs).

ICS® and CDARS®

If you want more insurance on your deposits than the $250,000 federal limit, our Insured Cash Sweep® (ICS®) and Certificate of Deposit Account Registry Services® (CDARS®) products offer a simple way to split up your deposits among multiple financial institutions. We manage the deposits for you while you receive a monthly statement with just one blended rate of return.

Consumer and Commercial Deposit Rates

Altabank offers competitive checking and savings account rates for commercial and retail customers.

*Subject to credit approval.

SafePoint Titan is a registered trademark of Loomis.

VISA is a registered trademark of Visa.

iPhone, iPad and iTunes are registered trademarks of Apple Inc.

Android is a trademark of Google Inc.

Insured Cash Sweep, ICS, CDARS, and Certificate of Deposit Account Registry Service are service marks or registered service marks of Promontory Interfinancial Network, LLC.

Placement of your funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures set forth in the agreements, including the ICS or CDARS Deposit Placement Agreement, you enter into with us. Limits and customer eligibility criteria may apply. Program withdrawals vary by account.