Effective cash management is essential to running your business.  That’s why we have developed and offer products that make managing your business more efficient and convenient while increasing revenue.


Master Operating Checking Account

A master operating checking account links to one or more other checking accounts. All of your checking account activity is streamlined into one master operating checking account. This may help eliminate the need for manual transfers, improve cash flow, and increase efficiency and profitability.

Zero Balance Account(s) (ZBA)

A ZBA automatically transfers funds to and from accounts linked to the master operating account, allowing funds to be best utilized to minimize fees.

Performance Sweep Checking

Performance Sweep Checking is a preferred rate, FDIC insured deposit account that is used to house excess funds that are automatically swept from your Performance Checking account. If your Performance Checking account balance falls below the predetermined level, the needed funds are simply swept back. Learn more >>

Loan Sweep

Loan Sweep works by linking your checking account to your line of credit and applies excess balances to outstanding loans, minimizing interest expense, and back to checking when needed.

Purchase Card (One Card)

Our One Card gives your organization unified processing, simplified management, and maximum savings through the VISA® worldwide network and acceptance at millions of merchant locations and ATMs. The use of this card ensures your employees’ access to goods, services, and cash around the globe – eliminating the need for alternatives such as cash advances or petty cash.


VISA is a registered trademark of Visa Inc.

Business B@nking Basic

FREE Business B@nking Basic gives you online access to a host of information about your account including current transactions, account statements, check images, and rate information.

You can also transfer funds, download the prior day’s information, download account activity into money management programs like QuickBooks® and Quicken®, and view and enter stop payment requests.

Click here for a FREE online demo >>

Business B@nking Advantage

This service delivers all the features of Business B@nking Basic. In addition, it includes the ability to make wire transfers and has Automated Clearing House (ACH) capabilities that allow you to make payments including direct deposit for employees.

Positive Pay

Positive Pay adds an additional level of security by using a file, provided by you, containing information on issued items. We verify the check number and amount of each item presented against the file you provide. Any detected unauthorized transaction is then returned unpaid.


QuickBooks and Quicken are registered trademarks of Intuit Inc.

Express Deposit

Saving you valuable time, Express Deposit brings the teller window to you allowing you to make deposits directly from your desk with a scanner, computer, and Internet connection.  Learn more >>

e-Pay Reporter

The Automated Clearing House (ACH) is a standardized, efficient, and secure electronic payment transaction system, and it is increasingly used to facilitate business-to-business payments. e-Pay Reporter converts this payment information into readable reports.

With this system, ACH business payments are much easier to understand, process, and apply to open accounts. Many businesses can greatly benefit from this service because it breaks down the payee information when payments are lumped together, saving time with reconcilement.

Merchant Services (TSYS® Merchant SolutionsSM)

Through our partnership with TSYS, we can offer a payment processing program that provides businesses with many options for accepting debit and credit card transactions, whether in person or online. With the use of a scanner, Internet connection, or mobile phone, you will be able to accept credit, debit, mobile, or EBT payments. For more information, please call 706.738.6990 in Georgia or 803.649.4240 in South Carolina or click here to fill out our "Contact Us" form.

Checkmarc Check Recovery Service

Through our partnership with Checkmarc, we are able to offer you electronic check and ACH recovery services for free. Checkmarc electronically pursues recovery of bad checks and ACH transactions. This means increased success in recovering funds from items presented as insufficient. With this valuable service, there is no equipment to buy, no contracts to sign, and you will receive 100% of the face value of the recovered bad check.


TSYS is a service mark of Total System Services, Inc.

@ Work Banking Program

The @ Work Banking Program provides businesses and organizations an added benefit that they can offer their employees and members. This is a valuable package of FREE and discounted banking products and services. Your company can participate in this program at no cost, and you do not have to be a bank customer. Learn more >>

Solutions from Hiring to Payroll

We are here to help your small business. We have teamed up with ADP® to deliver payroll and tax processing plus people management for small businesses and startups. From hiring and handbooks to payroll and compliance, ADP brings depth and expertise to helping clients build a better workforce.

Day-to-Day Employee Solutions Using RUN Powered By ADP®

  • Pay your people, file taxes and track time.
  • Recruit, hire and manage your team with confidence.
  • Access insurance benefits through ADPIA1.
  • Help protect your company from risk.

Talk with us today to set up a free consultation with ADP.

ADP and RUN Powered by ADP are registered trademarks of ADP, LLC. Copyright © 2015 ADP, LLC. All Rights Reserved.

1. Automatic Data Processing Insurance Agency, Inc.  All insurance products will be offered and sold only through Automatic Data Processing Insurance Agency, Inc., 1 ADP Blvd., Roseland, NJ 07068, its licensed agents or its licensed insurance partners.  CA License #0D04044.  Licensed in 50 states.  Certain services or plans may not be available in all states. Automatic Data Processing Insurance Agency, Inc. is an affiliate of ADP, LLC.

Business Loans >>

Considering a purchase, refinance to lower payments, or simply a line of credit for cash flow needs? Let us help.

Investments >>

With solid advice and a local presence, our Investment professionals will put you and your company first.

Contact Us >>

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