Business Banking Services

CNext makes it easier for businesses to manage and track their finances. From Cash Management to Remote Deposit Capture, we offer the tools you need to keep your business running smoothly.

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Cash Management

ACH (Automated Clearing House) services enable you to submit electronic debits and credits to and from accounts of other businesses or individuals.

Employee Payroll

• Eliminates the need for issuing payroll checks
• Payroll is issued electronically to employees via direct deposit, providing quick access to their funds
• Eliminates costs associated with check printing
• Quick access to electronic payroll batch records
  
  

Consumer or Business Drafts or Payments

• Automatic recurring monthly drafts for your members/customers
• Automatic one-time or recurring payments to individuals or businesses
• Quicker payment of funds (no waiting for check to arrive in the mail)

EFTPS (Electronic Federal Tax Payment System)

• Quickly and efficiently submit your business tax payments electronically

Positive Pay

Positive Pay is an additional layer of protection for your bank account related to check fraud. Positive Pay is a fraud detection service used by banks to match issued checks with those presented for payment ensuring enhanced security.

Merchant Services

With our merchant services through BancCard, you can offer your customers the convenience of paying with a debit or credit card. Your business will receive quick electronic credit!

Night Deposit

Drop off your after-hours deposits in our safe night depositories, located at every branch. Deposits will be credited the morning of the next business day.

Remote Deposit Capture

Deposit checks without leaving your office through your secure online banking account. This product allows our Business Checking Customers the opportunity to make deposits at their location saving them time, money and the liability of trips to the bank. It’s easy to set up and easy to use. Contact a Relationship Banker for more information.

Fee Information:

• $75 per month
• Scanner Purchase (at cost)

How to get started?
Remote Deposit Capture is accessed through your secure internet banking account. A member of our operations team will prepare the documentation to be completed for setup, and will assist you in selecting a scanning device that is compatible with our system and best fits your needs. Once the scanner arrives, we will walk you through the setup on your computer and will provide training to get you started. Our support staff is available to assist you anytime.

Benefits

• Reduced Transportation Costs
  Fewer trips to the bank saves on fuel costs for personal vehicles or mileage expenses for employee vehicle use.
• Saves Employee Time
  Less time out of the office leads to more productivity at work.
• Research Made Easier
  Images of checks used in each deposit are stored in the system for your research needs.
• Quicker Available Funds                                                                                                                                                        Deposits posted before 3:00pm are credited to your account the same day, in overnight processing.
• Reduced Return Item Risk
  Holding checks until you have time to visit the bank can increase the risk that funds may not be available after a period of time.  Using RDC, those risks are lowered by quickly depositing checks the same day they are received.