Cash Management

Management of cash flow is vital to the success of every business, and CapStone Bank offers your company a number of services designed to positively affect your cash flow by helping you collect, process and invest your funds more efficiently.

ACH Origination
This automated service can save you time and money in making payments or collecting receivables electronically. Allow us to handle the banking details for you.

Bill Pay
Using the power of Online Banking, our free Bill Pay service can save you time, paper and postage by enabling you to set up recurring payments and your bills online.

Remote Deposit
This time- and money-saving service allows you to scan checks at your desktop and send us check images and deposit information electronically. It can reduce your float time while eliminating trips to the bank.

Lockbox Services
If your business collects recurring payments, our lockbox services can provide a central mailing location, bookkeeping and reporting for faster processing time and improved access to your funds.

Positive Pay
This automated check matching process reduces your exposure to potential fraud by enabling you to quickly identify questionable items so you can instruct us to return them to the institution on which they are written.

Sweep Accounts
Allowing us to invest your daily cash balances can help you enjoy good returns with minimal time and effort. Our sweep account automatically transfers money from your checking account to an investment account based on your cash flow needs, enabling you to earn the maximum possible return without creating overdrafts.

Zero Balance Account (ZBA)
Our ZBA can improve your cash flow by consolidating your funds into a "main" checking account linked to one or more “subsidiary” accounts. The main account automatically feeds the subsidiary accounts as needed, leaving them with a zero balance. It can save you time while helping you avoid accidental overdrafts in disbursement accounts.

Wire Transfers
We can easily and efficiently handle your wire transfers, both domestic and international.

Statements on CD
An invaluable tool for businesses that write large numbers of checks each month, CD-based statements are available from CapStone Bank to simplify your account reconciliation process. Data from these CDs can be easily downloaded to your computer.