Cash Management Solutions

Time Is Money and Helping You Manage Both Is Our Business

What happens when state-of-the art technology meets exceptional service? You get the perfect blend of cash management solutions that only Community National Bank can deliver to simplify how you run your company.

Reduce your car’s gas bill as you save time with Community National Bank’s
Desktop Banker, Online and Bill Pay services and other solutions.

We customize your accounts with enhanced features that give you the peace of mind to know you are in goods hands and are protected at every layer of specialized service—track your issued checks with Positive Pay.

See below for our full line of customized CNB’s Cash Management Solutions.
DESKTOP BANKER REMOTE CAPTURE	PAYROLL/DIRECT DEPOSIT
ONLINE BANKING/BILL PAY	POSITIVE PAY
LOCKBOX	ESCROW ACCOUNTING
AUTOMATED CLEARING HOUSE (ACH) ORIGINATION	NIGHT DROP
MERCHANT SERVICES	TT& L PAYMENT
ZERO BALANCE ACCOUNTS (ZBAS)	VISA BUSINESS CHECK CARD

DESKTOP BANKER REMOTE CAPTURE
Deposit Checks From the Comfort of Your Business

• Make bank deposits directly from your workplace by simply running your checks through our cutting-edge desktop scanner.
• View the images of the checks on your PC and then click deposit.
• Enjoy increased cash flow with fewer trips to the bank and reduce other costly expenses associated with in-person deposits to the bank. See demo.

It’s that easy!

ONLINE BANKING/BILL PAY
Access Your Accounts 24/7 to Inquire, Transfer or Pay

• Designate customized levels of online security for certain employees, such as ‘View Only’ or ‘Full Access’ capabilities.
• Access to your accounts any time, day or night.
• Inquire about your account balances.
• Transfer funds, pay bills.
• View checks that have been paid.
• Plus much more.

LOCKBOX
Outsource Your Payment Processing and Collections

• Convenient CNB Lock Box service provider.
• Enjoy full-service handling of accounts receivable checks, automated collection and much more.

AUTOMATED CLEARING HOUSE (ACH) ORIGINATION
Manage Automatic Payments

• Initiate personal and corporate ACH entries, including direct deposit, vendor payments or payment collections from other financial institutions.

MERCHANT SERVICES
Process Your Transactions Faster and Receive Your Funds Sooner

• Enjoy faster access to your money with our merchant services.
• Convenient local banking: 24-hour, 7-days-a-week.
• Increased efficiency.

ZERO BALANCE ACCOUNTS (ZBAS)
Increase Your Investment Opportunities

• Consolidate the net balances from multiple checking accounts into a single operating account.
  
  

PAYROLL/DIRECT DEPOSIT
Manage Your Employees Pay

• Enjoy CNB’s Direct Deposit Payroll Processing through the ACH (Automatic Clearing House) network.
• Upload your own formatted files to the bank or use our online banking system to generate your own.

POSITIVE PAY
Protect Your Accounts

• Monitor daily your accounts.
• Mitigate risk by comparing checks presented for payment on your account to a list of authorized checks that you supply via an issue file. Any unauthorized checks are referred back to you for follow up.

ESCROW ACCOUNTING
Get More Time to Run Your Business
Let CNB manage your escrow accounts so that you can
devote more time to running your business.

• We create a “master” account that combines all of your clients’ escrow funds.
• We maintain separate records for each sub-account.
• We even handle all the paperwork and tax reporting.
• Receive a comprehensive statement each month.

NIGHT DROP
Convenience and Overnight Security

• Deposit checks and cash 24 hours a day, seven days a week at conveniently located and secure night drop.

FEDERAL TAX COUPONS (TT& L PAYMENTS)

Customers may only process tax payments through ACH after registering with the Electronic Federal Tax Payment System (EFTPS). Once registered, you can process through CNB online.

Effective January 1, 2011, customers making tax payments through Automatic Clearing House (ACH) are required to pre-enroll with the EFTPS.

VISA BUSINESS CHECK CARD
Make Buying What You Need for Your Business Easier

• Designed for businesses small and large, the CNB Visa Business Check Card makes purchasing easier.
• Transactions are automatically debited from your designated checking account and are listed on your monthly statement.
• Use it everyday at millions of Visa® merchants worldwide. Additional cards may be issued to employees with various levels of access.