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To discuss the right solution for your business, contact our Vice President of Business Development, Lee Jordan today

Cash Management & Electronic Banking Solutions

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Our Cash Management and Electronic Banking Services provide solutions for managing your receivables and payments, so your money is always working for you.  Here you can learn more about the many services available to help your business drive increased efficiency.   

Remote Deposit Capture

Remote Deposit Capture is like bringing the bank's teller window to your business. You can deposit money orders, consumer checks, cashier's checks and commercial checks electronically with a secure, check processing system.
• Receive funds faster into your accounts
• Reduce time away from the office making daily deposits
 

ACH Services

Save time and money by utilizing our Automated Clearing House (ACH) services to:
• offer employee direct deposit
• submit electronic tax payments
• receive and make electronic vendor payments

Zero Balance Account (ZBA) Sweep

Consolidate your checking account balances into one with the ZBA Account.  This service allows you to pool funds into one account while maintaining your individual accounts for making separate account deposits and payments.  Ideal for multiple store locations.

Line of Credit Sweep

This service connects your Citizens Commercial Line of Credit and checking account for automatic fund transfers to pay down your line of credit.

Line of Credit Overdraft Protection Transfer  

This service links your Citizens Commercial Line of Credit and checking account to cover potential overdrafts up to your Commercial Line of Credit available balance.

Online Wire Transfer

Do you routinely use wire transfers?  If so, this service gives you the ability to conveniently conduct transfers from your NetTeller Online Banking portal.

Positive Pay

Increase peace of mind while reducing your fraud exposure with this automated fraud detection tool.  Checks presented for payment are compared electronically to an authorized list of checks issued.  Unmatched items can be reviewed online for "pay or return" decisions.  Save time and money by avoiding a potentially fraudulent transaction.

Merchant Services

Today's customers expect credit and debit card acceptance for their purchases and you need quick authorization and efficient settlement service.  We offer advanced Credit and Debit Card Merchant Processing for MasterCard, Visa® and other credit card transactions, including national and regional debit cards.

NetTeller™ Online Banking

Transfer money, pay bills, make payments, check balances and much more.  This secure Internet service is available 24/7.

eStatements

Throw out your binders, boxes and paper files.  Go paperless with eStatements  A secure system that delivers your monthly statements, including images of your checks and deposits, via password protected e-mail.

Desktop Banker. 

Need to research an item quickly?  Our user-friendly imaging solution enables controlled and secured access to images of checks, deposits and statements stored on a disk with easy to use search features.

Night Depository Service

The added convenience of Night Depositories located outside most of our Citizens and Champaign Bank offices gives you another option for making deposits after normal business hours.

InTouch Telephone Banking

Toll Free 1-877-224-8493

Our 24-hour voice response system provides updates on your account balances, latest deposits and cleared checks, debit transactions and more. Transfer funds between checking and savings accounts; make loan payments- all through your touch tone phone.