Manage your business's cash flow
Whether your business payment needs are simple, complex or somewhere in between, we offer a range of digital tools to help you manage your payments and stay ahead of your cash flow needs:
- ACH Origination – Send and receive electronic payments with ease
- Positive Pay – Help protect your business from fraud
- Remote Deposit Capture – Deposit checks from your office
- Wire Transfers – Move funds quickly and securely
Our cash management solutions help you save time, improve efficiency, and stay focused on running your business.
These complement our business checking, savings, lending, and financial planning services. If you have questions or simply want to learn more, please complete the contact form below.
ACH Origination: Send and receive electronic payments
Automated Clearing House (ACH) Origination will provide businesses with better control of their cash flow while adding the convenience of digital transactions for their employees and customers.
- Direct Deposit for payroll
- Direct billing for customers or vendors
- External bank transfers
Positive Pay: Protect your business from check and ACH fraud
Your best option for protecting your business account against fraud.
- All checks presented for payment are verified against the business’ authorized check listing
- ACH transactions are processed through a pre-approved filter from the business
- Any “exception items” are reviewed daily and paid or returned before ever posting to the account to protect your business
- To learn more read our Positive Pay FAQ
Remote Deposit Capture: Deposit checks from your office
Remote Deposit Capture allows authorized users to deposit checks from your place of business to your Baker Boyer business account. Resulting in fewer trips to the Bank and optimizing your deposit workflow.
This service is a preferred option for businesses that regularly deposit multiple checks. It can significantly reduce the time needed to prepare deposits, reduce check float time, and save money by saving on rising gas prices and removing the need for deposit slips.
Wire Transfers: Move funds quickly and securely
Online wire transfers keep your business-to-business funding transactions simple, quick and secure.
- Online Wire Transfers can move money the same business day when submitted by the wire cut-off time
- Online Wire Transfers are only available for wiring funds to other Financial Institutions within the United States
How Positive Pay Helped a Business Save Thousands
Helping local businesses grow and thrive goes hand-in-hand with protecting what they’ve built. Our Cash Management services, such as ACH origination, remote deposit capture, positive pay, and wire transfers equip business owners with the tools they need to operate securely and efficiently. Alden Mechanical experienced this firsthand when Positive Pay quickly detected and stopped a fraudulent check, saving the company more than $10,000. With solutions designed to ensure every transaction is authorized, Baker Boyer provides peace of mind, safeguarding businesses so they can focus on long-term success.
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