ACH Payments

• Account reconciliation quicker and more efficient
• No need for check stop payments and check reissue
• Origination one business day before settlement

ACH Payroll/Direct Deposit

• Initiate payroll, commissions, and other electronic payments

Wire Transfer

• Same day transfer of funds to external financial institutions
• Domestic or international
• Funds immediately available for use
• Ability to track where funds originated and where they are sent

Controlled Disbursement

• Access to number of checks and total dollar amount clearing same day via Electronic Banking
• Able to manage borrowings based on checks that are presented against the account — no need to borrow excess funds
• Eliminates overdrafts

Visa Debit Cards

• No need to write checks
• 24 hour access, 7 days a week
• Point of sale for purchases
• Make purchases on the Internet or over the phone
• Protection if card is lost or stolen
• World wide acceptance — can be used wherever Visa is accepted