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, convenient, and profitable.

 

Master Operating Account

A master operating account links to one or more other accounts. Money transfers between the master operating account and the linked accounts automatically, ensuring that all accounts are properly funded. This may help minimize service charges, eliminate the need for manual transfers, and improve cash flow.

Zero Balance Account(s)

This account automatically transfers funds to and from an account to the master operating account allowing funds to be invested until needed.

Performance Checking

Performance Checking transfers excess balances daily to an interest bearing account, maximizing earnings. Learn more >>

Loan Sweep

Loan sweep accounts automatically apply excess balances to outstanding loans, minimizing interest expense.

P-Cards

The P-Card can save your business time and money while providing peace of mind. Our P-Card is a credit card for businesses that allows the business to manage how an employee utilizes a corporate credit card. There is no need to track receipts, process expense reports, maintain petty cash funds, or worry if a corporate card is being used under the guidelines in which it was issued. By controlling how and where the corporate credit card is used, your business lowers its risk for unauthorized purchases.

Business B@nking Basic

Your FREE Business B@nking Basic account gives you online access to a host of information about your account including current transactions or a specific range of 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

In addition to the features of Business B@nking Basic, you may make wire transfers without having to enter a branch or make a phone call. You can also initiate automated clearing house (ACH) transactions including payments and 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.

Express Deposit

Express Deposit can save you time, save you money, and help streamline your record keeping.  With a PC, Internet connection, and desktop scanner you can deposit all types of checks electronically—eliminating the need to go to the bank and providing quicker access to your funds. Learn more >>

P-Cards

The P-Card can save your business time and money while providing peace of mind. Our P-Card is a credit card for businesses that allows the business to manage how an employee utilizes a corporate credit card. There is no need to track receipts, process expense reports, maintain petty cash funds, or worry if a corporate card is being used under the guidelines in which it was issued. By controlling how and where the corporate credit card is used, your business lowers its risk for unauthorized purchases.

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 human-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

Merchant Services offers many payment processing programs that provide businesses with several options for accepting debit and credit card transactions whether in person or online. 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 and ACH Recovery Service)

Through our partnership with Checkmarc, we offer our business customers a free check and ACH recovery service. This can mean increased success in recovering funds and can also save our customers time—allowing them to focus on their business, and not collections.

@ 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 >>

Payroll, Employee Benefits, and HR Solutions

We have formed a partnership with ADP to provide our business customers discounts and access to payroll, employee benefits, and HR solutions. Through this partnership, your business can have access to flexible employee payment options, payroll and tax compliance assistance, and a Fortune 500 employee benefit package. 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.

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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