Business Banking Services
We are your one-stop resource for what you need to run your business right. We know that your time is vitally important, so we offer various services to help make banking easy and efficient for your business.
Secure and Convenient Financial Solution
Business eBanking Convenient online account management in a secure environment.
- Access all of your accounts anytime, anywhere in one place
- Transfer funds between both business and personal accounts
- Pay and view bills online through eBill Pay The first 10 eBill payments per month are free.
- Create stop payment requests in real-time
- View latest transactions, eStatements, and check images
- Download transactions into your preferred accounting software
- Customize access for multiple users
Simplify Your Payments Processing
Direct Deposit Instantly initiate debits and credits from business accounts to various consumer and commercial payment types.
- Reduce exposure to check fraud
- Accurate accounting and predictable cash flow
- Eliminate preparation and storage costs
- Process credits and debits with ease
- Custom recurring transaction templates
- Direct connection to your preferred accounting software
Win the Fight Against Check Fraud
Positive Pay Create online data files and track each issued check to prevent check fraud.
- Enhanced fraud control Identify and return fraudulent items, including payee name suspects. Checks posted to the account will be verified.
- Check payment verification All checks presented for payment are verified, including banking offices. Protection provided against lost or stolen checks and prevents payments for duplicate or stale-dated checks.
- Complete control of payments With Business eBanking online access, make decisions about exception items and upload issue information.
- Check exception options Added protection of mismatch, duplicate, and stale-dated items included within your exceptions report.
Minimal Risk and Increased Efficiency
Business Online Wire Transfer Minimal risk transfer of funds between accounts electronically, increasing efficiency with same-day availability.
- Set up alerts for easy notification
- Initiate wire transfers right from your computer
- Dual approval provides additional security
- Custom recurring wire transfer templates
- Initiate both domestic and international wires
Streamline Operations and Increase Cash Flow
- Encrypted and secure data Send images of checks through a scanning machine securely into your business' bank account.
- Protection from fraud and theft Keep paper checks at the place of business and eliminate the risk of unnecessary employee exposure.
- Same-day credit Multiple deposits can be made daily and accepted as same-day credit as late as 6 pm.
- Save time and money Eliminate unnecessary trips to the bank and savings in hard dollar costs associated with maintaining bank accounts at multiple financial institutions.
- Improved record keeping Immediately view check images and access records from the past 90 days.
Accept Payments Securely
Credit Card Processing Offers secure transaction authorization, processing, and network services to businesses accepting credit and debit cards as payments.
- Payment Card Industry security
- Faster funding available
- Fits any business size
- Free consultation and analysis
- Setup tailored to customer needs
- No early termination fees
Virtual Card Payments
ePayables for Visa Purchasing Card Pay suppliers with virtual credit cards.
- Reduce the risk of check fraud
- Eliminate checks and the cost of check processing
- Cashback on payment volume
- Free up working capital with billing cycle options
- Batch payments can be made in one file upload
- Suppliers receive immediate payments of guaranteed funds
Simplify your Business Functions with Lockbox Solutions
Take advantage of faster payment processing and maximize cash flow. The solution our Lockbox service offers for Healthcare, Wholesale and Retail businesses is unmatched.
Healthcare Revenue Management
- Connection to HIPPA- and HITECH-complaint online archive This comprehensive, web-based service provides the conversion of paper EOBs to 835s, ERA consolidation, and payment matching.
- Processing and image capturing of payments and correspondence
- Same-day deposit with notification
- Recognition and extraction of detailed patient information from the EOB
- Reconciliation of the remittances to claims and payments
- Denial management tools
- Administrator interface that protects private health information
Wholesale and Retail
- Improved cash flow
- Payments viewed online
- Daily email deposit notification allowing for daily reconciliation
- Payments directed to a CNB-managed post office box
- Reduction in efforts to post payments back to the billing system
- Eliminate manual posting payments
- Image archive available for research and review
Payment Options that Work for Your Business
Our business debit and credit cards serve as excellent expense management tools. Manage your business payables more efficiently while eliminating check fraud. Discover the possibilities.
Maximize Your Cash Position with Business Sweeps
Perfect for Large and Growing Companies
Cash Concentration Accounts Automatically consolidate deposits daily from separate accounts into a master account.
- Increase funds availability
- Improve cash flow
- Control idle funds at outlying banks
- Cost-effective way to consolidate deposits
- Monitor the timeliness and regularity of depositing locations more closely
- Reduce staff time allocated to consolidate cash
Put Unproductive or Excess Cash Balances to Work
Target Balance Accounts Unproductive or excess cash balances are reconciled with a central account to a specified balance at the end of the day.
- Maximize funds available for investment
- Reduce administrative costs by transferring cash automatically
- Remove excess cash in disbursing accounts
- Provides a clear audit trail
- Eliminate the risk of costly overdrafts
Automatic with Maximum Potential
Excess Cash Sweeps Systematically determines the total balance in a deposit account to reduce debt and/or invest.
- Improves earnings by using idle funds
- Reduced interest expense
- Maximize earning potential through investments
- Simplify cash management
- Eliminate Manual Intervention
Maintain Operating Limits and Target Balance
Investment Sweep Accounts Keeping the target operations bottom-line balanced by investing excess funds into another account.
(Repurchase/Repo)
Sweep funds over the established target balance from the operating account to the investment sweep account. Interest is accrued daily and paid to the business on the last business day of the month, and daily email confirmations are sent to the business. Minimum deposit amounts are required.