Cash Management
The ultimate in money management for businesses, Cash Management Accounts improve the performance of your assets. These services are highly tailored; please contact a Commercial Relationship Manager at Countybank for recommendations about putting Cash Management to work for your company.

Cash Concentration Account
Your Cash Concentration Account serves as your primary operating account through which all deposits are made. This account is then used to fund all Zero Balance Accounts. By adding a Sweep Account to this service, you can earn interest on otherwise idle funds.

Sweep/Investment Accounts
Sweep/Investment Accounts take idle funds and put them to work. Your funds are automatically invested and earn competitive market rates daily. That means you can earn interest on funds that would otherwise be inactive. This process eliminates the burden of maintaining separate interest-bearing accounts.

Zero Balance Account
Each day, all checks presented to the Zero Balance Account are paid by automatic transfer of funds from your Cash Concentration Account. By keeping the balance at zero, you’ll have more funds available to earn interest in a Sweep Account.

Direct Deposit
When you bank with Countybank, you can offer your employees the convenience and safety of directly depositing their paychecks into their personal accounts, no matter where they bank.

Automated Clearing House (ACH)
With an Automated Clearing House function, you can make automatic debiting available to your customers. It is an easy way for them to make payments to your company without having to write a check.

In addition, your company can make automatic payments to vendors and suppliers using Automated Clearing House. You can also electronically transfer funds from other institutions into your account at Countybank.

Accounts Receivable Financing – Business Manager
With Countybank's Business Manager program, you can have access to cash typically frozen in accounts receivable, allowing your business to become more effective and efficient. If you choose, you can leave the responsibilities of billing your customers and collecting payments behind. Also, our service provides management report information from which you can make better business decisions.

Here's how our Business Manager program works: We purchase your receivables from you at a discount. You receive immediate credit for charges, less a discount and a reserve for bad debts. You can use that money to reinvest in your business, take advantage of supplier discounts or update computers.

Business Manager is a great option for nearly any type of business, from manufacturers and wholesalers to physician practices and retail stores. It is an ideal way to increase cash flow, giving you peace of mind. Contact us and we will show you the many benefits for your company.

Access CB
Access CB is an online banking corporate cash management component that empowers commercial customers to securely and conveniently manage their funds online via a secure connection. With Access CB you can:

• Search for and sort account information
• Review account balances
• Determine current and anticipated cash positions for the next seven days
• Transfer funds between internal and external accounts
• Pay bills
• Make presentments
• Create ACH transfers, including direct deposit of payroll
• Issue stop payments
• Request wire transfers
• Make federal tax payments
• Originate ACH files

Access CB gives you more control. It provides opportunities to optimize your interest income, reduce transaction costs, manage float effectively, and improve payment tracking and control.