Cash Management Services
How to Apply
Stop by any ANB branch location and bring:
- Your state-issued ID, Social Security number and Business Organization Papers*
ANB's robust, integrated suite of Cash Management Services offers maximum control, with the flexibility to address a variety of business needs. Whether you serve regional, national or international markets, our innovative solutions can help you manage cash flow more efficiently and effectively.
Cash Management Options for Commercial Businesses:
- eCorp Online Banking Service
- Business Credit Card Services
- Account Balance Reporting
- Daily ledger and collected balances
- Total debits and credits posted
- Float spreads from deposits
- All accessible by Bank Administration Institute (BAI) files, fax or via eCorp
- Electronic Payment Services
- Direct-deposit payroll
- Prearranged payment for deposits and debits (PPD)
- Cash concentration (CCD)
- Corporate Trade Exchange (CTX) (FEDI)
- Early memo posting of Automated Clearinghouse (ACH) transactions
- Payroll cards
- Account Reconciliation
- Positive pay
- Check serial sort
- Partial reconciliation
- Full reconciliation
- Check retention (check safekeeping)
- Paid check images returned on CD or DVD
- Account Disbursement Services
- Controlled disbursement
- Zero Balance Accounts (ZBAs)
- Payable Through Drafts (PTDs)
- Daily Investments
ANB can monitor collected balances in your company's account daily, sweeping excess balances into our overnight investment program. The following day, the investment is credited back to your company's account - along with the interest.
- Monthly Account Analysis
Each month, ANB can provide a detailed summary of your company's checking account activity, with analysis of your bank account usage, specifics on monthly activity totals, and expenses in dollars as well as collected balances
- Lock Box (Receivables Collection)
Available for both wholesale and resale customers, our lock box services offer an efficient way to convert account receivables into available funds.
- Remote Deposit Capture (RDC)
Taking advantage of the latest check-clearing architecture, RDC allows you the convenience of electronically depositing checks, right from your office. (Learn more about Electronic Check Processing and Check 21 legislation here.)
- Other Cash Management Services
- Wire transfer
- Money market accounts
- Commercial depository
- Cash and currency order
* Required business organization papers will vary by company size and type. If you have questions about what is required, please contact us
