Mind Your Own Business. December 2008
|
|
- Shonda Morgan
- 8 years ago
- Views:
Transcription
1 Mind Your Own Business December 2008
2 About your presenter: Kathy Dils is Vice President and Client Experience Manager for the Online Channel. Kathy has over 28 years of broad based business experience including 12 years in the banking industry. Recent accomplishments include chairing the North Carolina Electronic Recording Council for the state of North Carolina. Kathy is a graduate of North Carolina State University. 2
3 Agenda: Small Business: the Foundation of our Economy Small Business Trends Small Business Needs The Four Cs Control Connection Convenience Cash Flow Case Study The Road Ahead Questions and Answers 3
4 Webinar Audience Question #1 What is the biggest challenge for your small business? 1. Not enough time in the day 2. Inadequate cash flow 3. Banking solutions too complicated 4. Payroll solutions too costly 4
5 Small Business: the Foundation of our Economy The chief business of the American people is business. Calvin Coolidge, "The Press Under a Free Government The chief business of the American people is Small Business. Kathy Dils, BB&T 5
6 Small Business Trends Multi-lingual / socio-economic distribution will be in play. º Ecommerce will be taking a greater part in success of small businesses. ¹ Credit ratings will be more important.² Global economy will have impact.³ º ¹2008 Glo bal Payments Trend Survey 11/11/2008, Edgar, Dunn & Company ²NFIB Small Business Economic Trends William Dunkelburg and Holly Wade ³ 6
7 Small Business Owners Tell Us They Need - Ability and flexibility to Understand the business economic position Monitor and control spending Measure financial performance Plot financial future Manage finances on the go Make decisions after hours 7
8 Webinar Audience Question #2 If you could change one thing about the way you bank, what would you change? 1. My bank would be open 24 hours a day. 2. I could move money among accounts without going into a branch. 3. I would never need to write a paper check. 4. I would never have to wait for mail to see a statement. 8
9 The 4 C s of Business Success 9
10 Manage Your Cash Flow Manage Your Outflow Manage Your Inflow $ $ $ $ Vendor ACH Payments Bill Pay Employee ACH Payments Payroll Outbound Transfers to Pay Self, Invest, etc. $ $ Business Account (Internal) Personal Account (Internal) Electronic Invoices Customer Payments Merchant Acquiring/ POS $ $ Inbound Transfers to Meet Cash Flow Needs Manage Your Accounts (Money Movement) Business Account (External) Personal Account (External) 10
11 Watch the costs and the profits will take care of themselves." Andrew Carnegie 11
12 How to Stay Connected 24/7 Online Access Real-time Balances Mobile Alerts estatements In Person Leverage anytime, anywhere connectivity Utilize traditional methods only when needed Mail 12
13 That which seems the height of absurdity in one generation often becomes the height of wisdom in the next." - John Stuart Mill 13
14 Convenience Wait for bank to open, or get there before it closes Spend $$$ on gas to drive to branch Stand in line Time lost = money lost 24 X 7 banking hours Expanded banking access Phone, Online and Mobile Deposits can be made later in day Funds available earlier No need to physically visit the branch for routine services Why should you conform your business to the way banks work When you can make your bank work according to your business? 14
15 "If you don't drive your business, you will be driven out of business. B. C. Forbes 15
16 Control How to get More Delegate Access Role-based Access to Employees Best Practices & Awareness Multiple Options for Secure Money Movement Direct Deposit ACH & Wire Remote Deposit Capture Benefits Remittances Payroll Real-time Alerts via phone, , SMS Built-in Risk Assessment Fraud Monitoring Effective Management of Risk & Fraud 16
17 Every man has a right to be wrong in his opinions. But no man has a right to be wrong about his facts." - Bernard M. Baruch 17
18 Case Study
19 Case Study Client Profile Client owns a bakery, operates six days a week from 6:00 AM to 7:00 PM. Client needs an integrated financial solution to help simplify paying invoices, paying employees, and transferring money from account to account. Client wants to assign some banking tasks to employees without jeopardizing the business. Client needs to be able to transact most of his business after banking hours. Client would like to know when balances are changing. Client would like to be able pay his employees through direct deposit. Client would like to be able to transfer money quickly. Client would like to be able to handle his personal finances using the same tools as his business. 19
20 Case Study Current Scenario Client finds it hard to find time during the day to do his banking. Client hasn t been able to get to the bank during business hours in two weeks. Client spends 4-10 hours a week performing accounting functions such as: Payroll - handwriting payroll checks. Giving employees time off during the day to deposit or cash checks on pay day. Employee recently lost check, causing stop pay issue and more work for client. Tax payment handwriting check with coupon. Running to the bank before 2pm. Accounts Payable handwriting checks to vendors. Sending payment in hope that it arrives on time to get discount. Recently lost vendor relationship due to slow payment. Client recently had an overdraft fee due to insufficient funds. 20
21 Case Study Product Solution Banking Solution designed for a Small Business integrated with Mobile Banking and Alerts Small Business Online Banking Multi-User Access ACH and Wire Stop Payment Payroll with automatic deposit Mobile Banking Automatic Alerts Banking anywhere and anytime 21
22 Small Business Client s Problem No time to go to the bank Client doesn t have time during the day to do his business and personal banking Small Business Online Solution Small Business Online Uses an online banking solution designed for his needs Accesses personal accounts using the same system Frees up time for the client so he can concentrate on building his business 22
23 Small Business Client s Problem No way to delegate tasks Client giving ID & password to employees creates a business risk. Small Business Online Solution Multi-User Access Provides account access to selected employees Gives each user has his own ID and password Peace of mind Accountability Audit trails Customizes account access to specific account and transaction types Retains approval authority 23
24 Small Business Client s Problem Spends too much time performing accounting functions Client needs help with: Payroll Tax payment Accounts Payable Wire Small Business Online Solution Online Billpay, ACH, and Wire Offers direct deposit to employees, eliminating handwritten checks Happy employee due to immediate availability of fund Time saved by all Sends tax payment electronicallyno rushing to the bank on the 15 th of the month to beat the 2:00pm cut off time. Avoids paying a penalty for being late Sends vendor payments using Online Billpay Doesn t lose discounts Sends wire online 24
25 Small Business Client s Problem Needs to initiate a stop payment Client can not afford the time away from his business to go to the branch to initiate a stop payment. Has no time to go to the bank to open up a savings account Client needs to open up additional accounts but hasn t been to the bank in two weeks. Small Business Online Solution Online Stop Payment Stops payment on a single check or a range of checks online No more taking time away from growing his business No more waiting in line in the branches Online Account Opening Opens small business checking and savings accounts online 25
26 Small Business Client s Problem Needs notification when his balance changes Client doesn t want to call the Phone Center every hour to get an updated balance. Small Business Online Solution Alerts Sets alerts for notification of transactions and balance changes Receives alerts on mobile phone and Needs to conduct banking while delivering products Client doesn t have access to a computer while away from the office. Mobile Banking Uses a Mobile phone to get balance and transaction information Transfers funds between accounts 26
27 Case Study Monthly Savings Making timely payments resulted in discount savings of 5% Delegating bill payment to an employee saved owner 6 hours Granting access to accountant saved 2 hours in consulting fees Using wire and ACH online saved 3 trips to the bank Responding to Alerts and making Mobile transfers prevented insufficient funds charges twice 27
28 The Road Ahead Future Trends for Small Business Hard work is still the #1 component of success More Small Businesses starting as second careers by people leaving the traditional workforce Learning the value of thinking green Increased spending in Information Technology and expecting better payback Increased use of remote deposit capture, electronic money movement 28
29 What to Look for in a Small Business Online Solution Complexity 29
30 What to Look for in a Small Business Online Solution Comprehensive features Complete view of accounts Security delegation Online money movement Integrated payroll At Work programs Alerts, Mobile, estatements Adapts to your business needs Knowledgeable support Trusted advisors Leverages technology to simplify operations Multiple options Supports your business style Easy access to information Online Real-time Anytime Anywhere 30
31 Questions?
32 Small Business Online Contact Information Visit our website at or visit your local BB&T Financial Center Evaluation You will receive a short webinar evaluation via . Your feedback is very important to us! 32
33 33
MORE GAIN/LESS PAIN Maximize your cash flow/minimize your effort
MORE GAIN/LESS PAIN Maximize your cash flow/minimize your effort Approved for 1 CTP/CCM Recertification Credit by the Association of Financial Professionals November 18, 2009 1 Presenters Mary Church,
More informationPutting You and Your Business First
Putting You and Your Business First A guide to your new business accounts and services FirstMerit puts you and your business first. FirstMerit can make a true difference when it comes to helping you build
More informationWe re upgrading your banking experience August 21 st 23 rd
We re upgrading your banking experience August 21 st 23 rd What you can expect before, during and after the upgrade. Banking in your best interest. myinvestorsbank.com/upgrade We re Upgrading Your Banking
More informationTABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1.
TABLE OF CONTENTS Introduction 3 General Guidelines for Successful Account Management 3 Managing Your Checking Account 1. Check Register 2. Planning 3. Recording Your Transactions 4. Balancing Your Account
More informationTelecom. Mobile Commerce Platform for. Increase ARPU Increase ROI Increase Customer Value
Mobile Commerce Platform for Telecom Maximize Revenue. Secure. Convenient. Affordable Mobetize offers the only integrated secure mobile commerce platform for telecom companies designed to maximize your
More informationTABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1.
TABLE OF CONTENTS Introduction 3 General Guidelines for Successful Account Management 3 Managing Your Checking Account 1. Check Register 2. Planning 3. Recording Your Transactions 4. Balancing Your Account
More informationWelcome to Charter One Online
Welcome to Charter One Online The online banking services of First National Bank, GreatBank and GreatBank Chicago will be changed over to Charter One Online as of Monday, April 30, 2007. As a result of
More informationCommercial Online Banking Frequently Asked Questions Bryn Mawr Trust Company
Commercial Online Banking Frequently Asked Questions Bryn Mawr Trust Company Bryn Mawr Trust Company August 2015 Page 1 of 9 CONTENTS Contents... 2 IMPORTANT NEWS!... 3 Fees and Enrollment... 3 Q&A: Commercial
More informationPayment Power for Merchants
Create the right customer payment solution for your business today. For more information, call 1-800-363-1163, visit any TD Canada Trust branch or visit us online at www.tdmerchantservices.com Payment
More informationBest E-Commerce Practices
Best E-Commerce Practices Electronic Commerce Defined Segment of a larger business model that allows companies to transact over the internet Can be seen as a mode to collect tax payments, licenses, permit
More informationC O N V E R S I O N G U I D E
CONVERSION GUIDE The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to deliver unparalleled
More informationManaging Your Checking Account
Managing Your Checking Account People you trust. Advice that works. Member FDIC trustmark.com Keeping in Check Avoid unnecessary fees by staying in control of your checking account. 1. Record all transactions
More informationOnline banking user guide
Welcome Peoples Federal Savings Bank customers Online banking user guide IMPORTANT INFORMATION about your online banking account. Important information Your online banking accounts with Peoples Federal
More informationAlpine Bank green products
CONVENIENT BANKING with environmental benefits At Alpine Bank, we are committed to protecting the quality of our natural environment. Accordingly, we formally organized our Green Team in 2006 and have
More informationPerformance Audit City s Payment Process
Performance Audit City s Payment Process January 2013 City Auditor s Office City of Kansas City, Missouri 18-2011 Office of the City Auditor 21 st Floor, City Hall 414 East 12 th Street (816) 513-3300
More informationBUSINESS BANKING SWITCH KIT. Follow these simple steps to move your business checking relationship to 1st Source Bank.
BUSINESS BANKING SWITCH KIT Follow these simple steps to move your business checking relationship to 1st Source Bank. Did you know... You have a team of bankers at 1st Source ready to help make each of
More informationProduct. Corillian Business Online Corporate Treasury Management Solution on the Industry s Best Online Banking Platform
Product Corillian Business Online Corporate Treasury Management Solution on the Industry s Best Online Banking Platform Online Corporate Banking Today Realtime liquidity management and access to relevant
More informationThe Benefits of Automating AP and AR in the Cloud
The Benefits of Automating AP and AR in the Cloud Robert Colburn Consultant, CliftonLarsonAllen CLAconnect.com Housekeeping If you are experiencing technical difficulties, please dial: 800-422-3623. Q&A
More informationPERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING
PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING Account Opening and Usage Sterling Eagle & Club Sterling TM Eagle Checking Minimum balance to open account: $500 Monthly average balance to avoid fee: $500
More informationE-Commerce, Merchant Processing, EMV and General Best Practices for Municipalities
E-Commerce, Merchant Processing, EMV and General Best Practices for Municipalities T.C. Kennedy. CTP Senior Vice President Treasury & Payment Solutions SunTrust Bank Electronic Commerce Defined Segment
More informatione Z Want it? To use ezapps you ll first need to register for ezbanking and you can find those steps in the previous ezbanking section.
ezsuite ebanking Services In addition to our Commercial Services products, we have a full range of electronic services available to small businesses and individuals. If you currently use a similar Bank
More informationNCR APTRA PASSPORT Part of NCR s enterprise hub for remote deposit capture
NCR APTRA PASSPORT Part of NCR s enterprise hub for remote deposit capture Captures images automatically for deposits while on the go NCR APTRA Passport is an omni-channel enterprise hub for remote deposit
More informationREALSite FAQ for Possibilities CHECKING
REALSite FAQ for Possibilities CHECKING 1. How do I deposit money? -Use Direct Deposit for your payroll or government checks; this gives you instant access to your funds without having to visit a branch.
More informationPosition Yourself for the Small Business Market
m Position Yourself for the Small Business Market Position Yourself for the Small Business Market Introducing Microsoft Office Small Business Accounting 2006 As your clients most trusted business advisor,
More informationCONVERSION GUIDE. independent-bank.com
CONVERSION GUIDE independent-bank.com The Independent Way Independent Bank s origins extend back to 93 when it first formed a local bank to serve the needs of its community. Independent Bank pledges to
More informationC O N V E R S I O N G U I D E
CONVERSION GUIDE The Independent Way The Independent Bank charter was founded in 93 by a group of businessmen who wanted to form a local bank to serve the needs of their community. Independent Bank pledges
More informationInternational Payments and Receivables Made Simple
International Payments and Receivables Made Simple Solutions for LAW FIRMS Why do more than 500 law firms worldwide already trust Travelex GLOBAL BUSINESS PAYMENTS to process THEIR INTERNATIONAL payments?
More informationManaging your checking account.
We re here for you We hope you have found this guide helpful. In the future, anytime you have a question about your account, visit a Webster branch or call us. You can rely on Webster for whatever assistance
More informationOffering Real Value To Our Members
strength knowledge trust care listen strength knowledge trust care ten strength eal knowledge Interest trust care listen strength knowledge trust listen strength knowledge trust care listen strength knowledge
More informationGoldMine Datasheet Title. Subtitle: Reinvent your Sales, Marketing and Support Proceses. Automating Service & Support with Voice Self-Service
GoldMine Datasheet Title Subtitle: Reinvent your Sales, Marketing and Support Proceses Automating Service & Support with Voice Self-Service Automating Service & Support with Voice Self-Service The Changing
More informationBusiness Services Guide to Products and Services
Business Services Guide to Products and Services TM Where Life Comes Together Welcome Delta Community Credit Union is a not-for-profit financial institution with greater than $4 billion in assets. We are
More informationHow To Use Access Online
U.S. Bank Access Online Overview U.S. Bank Access Online provides organizations with real-time access to their commercial card programs anywhere, anytime, within a secured environment. This powerful proprietary
More informationPC Teller Consumer Agreement & Disclosures
PC Teller Consumer Agreement & Disclosures I. Introduction II. Accessing Your CINCO Accounts through PC Teller A. Requirements B. Electronic Mail (email) C. Fees D. New Services E. Benefits of Using PC
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this
More informationBEST-IN-CLASS MERCHANT SERVICES
BEST-IN-CLASS MERCHANT SERVICES First Data takes you beyond with merchant processing solutions that grow revenue and strengthen your customer relationships. HOW WILL YOU GO BEYOND? In an era when the banking
More informationHello. Welcome to MainSource Bank.
Hello. Welcome to MainSource Bank. Welcome to a great bank. We re MainSource Bank. We re strong. We re stable. And most importantly, we re absolutely committed to being the kind of bank our customers want
More informationSage 100 ERP. Streamline Your Workflows. What's New in Sage 100 ERP 2013 BENEFITS
Sage 100 ERP What's New in Sage 100 ERP 2013 The newest release of Sage 100 ERP (formerly Sage ERP MAS 90 and 200) continues to be the most comprehensive business management suite by Sage for mid-sized
More informationMICR Check Printing and ACH Payment Software
NOW compatible with Windows 8 & Server 2012 MICR Check Printing and ACH Payment Software Create-A-Check 11 provides the industry leading software to print MICR encoded checks and generate ACH payments.
More informationClear and Present Payments Danger: Fraud Shifting To U.S., Getting More Complex
Clear and Present Payments Danger: Fraud Shifting To U.S., Getting More Complex Q: Good morning, this is Alex Walsh at PYMNTS.com. I m joined by David Mattei, the vice president and product manager for
More informationMany of these tips are just common sense and others are tips to keep in mind when doing a transaction, at ATMs, restaurants and merchants.
Credit and Debit Card Security Tips Many of these tips are just common sense and others are tips to keep in mind when doing a transaction, at ATMs, restaurants and merchants. Be careful with your PIN Always
More informationMobile Banking Changing the Way People Bank
Mobile Banking Changing the Way People Bank Mobilearth Life is mobile, and your financial institution should be too. Find out about the next level of banking in this white paper. White Paper January 2013
More informationElectronic Supplier Payments
Electronic Supplier Payments Optimizing Working Capital through epayments Q3 2013 Featuring Insights on... Current Demand for Electronic Payments Underwritten in part by enett International Utilizing epayments
More informationYOUR FINANCIAL MANAGEMENT SOLUTION ROADMAP
YOUR FINANCIAL MANAGEMENT SOLUTION ROADMAP The right way to empower financial managers Sound, responsible financial management is at the heart of business success. With Microsoft Dynamics GP business management
More informationRethink, Reduce, Recover:
Rethink, Reduce, Recover: Provided by: In search of reduced costs, increased visibility and improved cash management, a growing number of companies are automating their accounts payable operations. However,
More informationNASCIO. Improving State
NASCIO 2011 Nomination Submission Improving State Operations Initiative The State of Tennessee Project Edison, State of Tennessee s ERP solution Project Manager: Stephanie Dedmon 1 Executive Summary The
More informationBusiness Management Made Simpler
SAP Brief SAP s for Small Businesses and Midsize Companies SAP Business One Objectives Business Management Made Simpler Successfully manage and grow your small business Successfully manage and grow your
More informationAccounts Payable. Summary
Accounts Payable Summary EFT is HCR ManorCare s expected method of payment. EDI is HCR ManorCare s preferred method of invoicing. All new vendors must be approved by Corporate Purchasing prior to purchase
More informationIMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from First Security Bank of Deer Lodge 311 Milwaukee Ave P.O. Box 629 Deer Lodge, MT 59722 (406)846-2300 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
More informationMonthly Earnings Allowance
BUSINESS ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. For all accounts but Certificates of Deposit, there is no minimum balance to open. Refer to the Account Disclosures and
More informationSage 50 Accounting Take Stock, Take Control With Sage 50
Sage 50 Accounting Take Stock, Take Control With Sage 50 How you manage your accounting controls can be the difference between creating a successful small business and filing for bankruptcy. With Sage
More informationUneasy about getting started? Not to worry. SageLink Credit Union has trained employees to help you every step of the way.
Checking If you re like most young adults, you spend a lot of time thinking about money. How to get money? What to spend your money on? Where to keep your money in between? A MoneyLink Checking account
More informationBusiness Banking Switch Kit. Getting Started
Business Banking Switch Kit We understand that switching bank accounts can be a hassle; but at Congressional Bank we make it easy. Following the steps below will make the process straightforward and trouble-free.
More informationInternet Banking Disclosure 03/29/12
Internet Banking Disclosure 03/29/12 Business Online Banker (Internet) Agreement 1. The Service. This agreement, along with the Authorization Worksheets, is a contract which establishes the rules which
More informationCommercial Banking and Lending for Morgan Stanley Smith Barney Business Clients. Knowing me. Knowing my business.
Commercial Banking and Lending for Morgan Stanley Smith Barney Business Clients Knowing me. Knowing my business. Commercial Banking Your Morgan Stanley Smith Barney Financial Advisor considers all aspects
More informationBroker Registration Guide for TrustFunds Authentication A- B- C Registration Steps 1-2- 3-4
Broker Registration Guide for TrustFunds Authentication A- B- C Registration Steps 1-2- 3-4 Broker Authentication 1. From the TrustFunds website homepage, click Get Started Now to begin your Authentication
More informationFactoring. from a Business Owner s Perspective
Factoring from a Business Owner s Perspective History Factoring Basics Factoring is the act of selling an asset at a discount for the advantage of immediate cash. As a business, it has been around for
More informationACI SELF-SERVICE BANKING
DELIVERS CONTROL, CHOICE AND FLEXIBILITY PRODUCT FLYER ACI SELF-SERVICE BANKING SINGLE INTEGRATED PLATFORM FOR ONLINE, MOBILE AND VOICE EXTENSIBLE REAL-TIME CONSUMER AND BUSINESS TRANSACTIONS AND PAYMENTS
More informationAutomating the Settlement Process
Automating the Settlement Process Agenda Discussion Outline Why automate payments Options to achieve automation Selecting a service provider Transforming your payment process Future of electronic payments
More informationELECTRONIC NOTICES DISCLOSURE AND CONSENT. Please read this document before accessing Online Banking Services.
ELECTRONIC NOTICES DISCLOSURE AND CONSENT Please read this document before accessing Online Banking Services. YOU UNDERSTAND AND INTEND THAT YOUR CLICKING ON THE I AGREE BUTTON BELOW SHALL OPERATE AS AN
More informationBank to Bank Transfer Application
MEMBER FDIC EQUAL HOUSING LENDER Bank to Bank Transfer Application I am applying for authorization to transfer funds between my Blackhawk Bank checking/savings account(s) and my checking/savings account(s)
More informationMonthly Service Charge: $8.95 Includes free Debit Cards, usage of Capital One Bank image-enabled ATMs, and access to our extensive Branch Network.
EXPLANATION OF VARIOUS KEY SERVICES AND CHARGES Here are some details about Regular Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service $8.95 Includes free Debit Cards, usage of Capital One
More informationWe re upgrading your banking experience August 21 st 23 rd
We re upgrading your banking experience August 21 st 23 rd What you can expect before, during and after the upgrade. Banking in your best interest. myinvestorsbank.com/upgrade We re Upgrading Your Banking
More informationHIGH YIELD CHECKING. EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services.
EXPLANATION OF SOME OF OUR KEY SERVICES AND CHARGES Here are details about High Yield Checking services. KEY ACCOUNT TERMS AND CHARGES: Monthly Service Charge: No monthly service charge. Includes free
More informationMountain West Bank Business E-Z Switch Kit 800-641-5401 MOUNTAINWESTBANK.COM
Mountain West Bank Business E-Z Switch Kit MOUNTAIN WEST BANK SWITCH KIT FOR SMART BUSINESSES Save your business money with E-Z Switch from Mountain West Bank. No financial institution is better positioned
More informationPrairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers Prairie State Bank & Trust (referred to as Bank, we, our, or us ) is capable of handling
More informationMake technology your business advantage
Make technology your business advantage $ Make technology your business advantage Microsoft helps small and midsize businesses (SMBs) make the use of technology a business advantage. Modernizing your systems
More informationHow to set up a people based. accounting system that makes your. small business work for you. Thomas G. Post. Certified Public Accountant 281-351-2688
How to set up a people based accounting system that makes your small business work for you. By Thomas G. Post Certified Public Accountant 281-351-2688 www.texastaxman.com 1 Title How to set up a people
More informationMobile Banking FEATURES & BENEFITS OF MOBILE BANKING
Mobile Banking Mobile banking is a system that allows customers of a financial institution to conduct a number of financial transactions through a mobile device such as a mobile phone or personal digital
More informationSAME GREAT BANK. SHINY NEW SYSTEM. A guide for our new system upgrade on October 12, 2015, and how it affects your accounts at Bank Midwest.
SAME GREAT BANK. SHINY NEW SYSTEM. A guide for our new system upgrade on October 12, 2015, and how it affects your accounts at Bank Midwest. 1 CONTENT Introduction... 1 What s the point of this?... 2 A
More informationBanking at the speed of your life. Online. Mobile. Superior. Safe.
Banking at the speed of your life. Online. Mobile. Superior. Safe. PARKSTERLING Answers You Can Bank On. At Park Sterling Bank, we know that there are times when our answer can help expand a child s future,
More informationFREQUENTLY ASKED QUESTIONS GENERAL
FREQUENTLY ASKED QUESTIONS GENERAL What does electronic payment mean to me? What options do I have? What is the best option for me? Can I choose to receive a paper check instead of an electronic payment?
More informationWelcome to. Banking in your best interest. A HELPFUL GUIDE FOR GCF BANK CUSTOMERS
Welcome to Banking in your best interest. A HELPFUL GUIDE FOR GCF BANK CUSTOMERS Welcome to Investors Bank! We re So Pleased to Welcome Our GCF Bank Customers into the Investors Bank Family! As a loyal
More informationAn Employer s Guide to Payroll Cards
An Employer s Guide to Payroll Cards An important part of your role as an employer is to ensure that you pay your workers promptly and accurately, and that you comply with federal and state payroll laws
More informationSolutions. Item Processing Solutions Streamlined Check Processing From Capture to Clearing
Solutions Item Processing Solutions Streamlined Check Processing From Capture to Clearing Solutions The continued migration to image-based processing, combined with the need for cost reduction and risk
More informationImportant Update to Your Deposit Account
Important Update to Your Deposit Account Beginning February 12, 2012, U.S. Bank changed the way we post transactions to your deposit account to better align with the way you actually make those transactions.
More informationRDC Risk Management Best Practices -A Financial Institution Perspective
RDC Risk Management Best Practices -A Financial Institution Presented By: John Leekley, Founder & CEO Ed McLaughlin, Executive Director RemoteDepositCapture.com October, 2008 Agenda Definitions & Clarifications
More informationSimplify Your Banking with eservices May 5 th, 2015
Important Notice: The following material is intended for the sole use of our members and is the property of Seven Seventeen Credit Union and may not be redistributed or reused by other parties without
More informationProduct. Galaxy Experience the Benefits of a Fully Integrated, Member-Facing Account Processing Solution
Product Galaxy Experience the Benefits of a Fully Integrated, Member-Facing Account Processing Solution Product To grow and succeed, your credit union needs to attract and retain members and enhance your
More informationFrequently Asked Questions:
Frequently Asked Questions: Electric Blue Rewards Checking and Qualifications 1. What are the rewards of Electric Blue Rewards Checking? 2.26% APY (Annual Percentage Yield) on balances up to $25,000 0.50%
More informationEveryone Benefits. How BB&T@Work Can Benefit You and Your Business: What We Provide To You:
Everyone Benefits. For more than 140 years, BB&T has built a reputation for strength and stability through our commitment to our clients success. This commitment includes serving as a true financial partner,
More information"You" and "your" mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account.
FIRST BANK KANSAS Information about Electronic Fund Transfers The Electronic Fund Transfer Act and Regulation E require banks to provide certain information to customers regarding electronic fund transfer
More informationBanking 101 guide Banking can be confusing!
Banking 101 Guide Banking can be confusing! To make it easier, we ve compiled this guide and a list of common banking terms and definitions associated with Higher One and your Higher One checking account.
More informationUniti East 2012. September 19th. ecommerce Solutions Retail & Business Online, Popmoney ACH & Wire Manager, Mobiliti
Uniti East 2012 September 19th ecommerce Solutions Retail & Business Online, Popmoney ACH & Wire Manager, Mobiliti 3 Retail Strategies Retail Online 4.1 Retail Online World-Class Online Banking View account
More informationBusiness Busines Swit S ch Kit wit
Business Switch Kit Switching banks sounds like a lot of work, which is probably why you re staying at your old bank even if you re not satisfied. But what if switching was really easy? We put together
More informationBoiling Springs Savings Bank Online Banking Access Agreement
Boiling Springs Savings Bank Online Banking Access Agreement I. Introduction II. Accessing Your Boiling Springs Savings Bank Accounts through Online Banking A. Requirements B. Electronic Mail (E-mail)
More informationElectronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service
Electronic Disclosure of the Terms and Conditions Agreement for the Online Bill Pay Service All references within this document to the terms "Payment Service" and/or "the Service" reflect the Online Bill
More informationTerms and Conditions Agreement for USE CREDIT UNION's Online Bill Pay Service
Terms and Conditions Agreement for USE CREDIT UNION's Online Bill Pay Service Supplemental Agreement & Acknowledgement Effective September 1, 2012 PLEASE PRINT AND SAVE THIS DOCUMENT FOR YOUR RECORDS Note:
More informationEFFICIENTLY RUN YOUR OPERATIONS. Accounts Receivable Track individual clients, organizations, and funding sources separately.
At a Glance years serving the nonprofit and education sectors MANAGE ACCOUNTING FOR NONPROFITS REPORT AND BUDGET WITH CONFIDENCE EFFICIENTLY RUN YOUR OPERATIONS MAINTAIN DATA INTEGRITY UNDERSTAND AND MANAGE
More informationTRUTH IN SAVINGS DISCLOSURE
TRUTH IN SAVINGS DISCLOSURE TABLE OF CONTENTS TERMS AND CONDITIONS TRUTH IN SAVINGS DISCLOSURE...... 2 BALANCE COMPUTATION METHODS. 2 DAILY BALANCE METHOD. 2 AVERAGE DAILY BALANCE METHOD. 2 AVAILABLE BALANCE..
More informationFUNDTECH SOLUTIONS FOR SMALL AND MEDIUM BUSINESSES
FUNDTECH SOLUTIONS FOR SMALL AND MEDIUM BUSINESSES SOLUTIONS FOR SMALL AND MEDIUM BUSINESSES PAYABLES AND RECEIVABLES SOLUTIONS FOR SMALL AND MEDIUM BUSINESSES 2 SOLUTIONS FOR SMALL AND MEDIUM BUSINESSES
More informationDEPARTMENT OF FINANCE AND ADMINISTRATION - Policy 15
DEPARTMENT OF FINANCE AND ADMINISTRATION - Policy 15 Policy 15 - Assigning Payment Dates for the Processing of Disbursement Vouchers for Payment of Invoices Basis for Authority and General Rules Applicable
More informationuplevl Empower data. Improve business ef f iciency. Go Paperless with End-to-End Accounts Payable Automation: An Uplevl White Paper
uplevl Empower data. Improve business ef f iciency. Go Paperless with End-to-End Accounts Payable Automation: An Uplevl White Paper Overwhelmed with piles of paper invoices, purchase orders and contracts?
More informationManual Accounts Payable Is a Critical Issue for SMEs
Manual Accounts Payable Is a Critical Issue for SMEs Contents Introduction Chapter 1: Business Intelligence Chapter 2: Capacity for Growth Chapter 3: Cost Conclusion 2 3 5 7 8 Manual Accounts Payable Is
More informationProducts and Services
Products and Services Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration. Products and Services Navigant Credit Union provides you with the products
More informationBUSINESS BANKING GUARANTY TRUST BANK
04 06 GAPS GTBank Automated Payment System (GAPS) is a web-based service which facilitates the processing of vendor (and other) payments in batches, using either a dial-up connection to the bank or a secured
More informationYour Setup Guide to Consumer Online Banking What s Inside:
Your Setup Guide to Consumer Online Banking What s Inside: Enroll in Online Banking Advanced Authentication Logging In estatements ENROLL IN Online BANKING TODAY! Go to www.renasantbank.com to see how
More informationMobile Banking and Mobile Xpress Deposit Frequently Asked Questions (FAQ s)
Mobile Banking and Mobile Xpress Deposit Frequently Asked Questions (FAQ s) Questions General How much does this service cost? Is it secure? Which wireless carriers are supported? Do I need a data plan?
More informationCash Management Guidelines For Charter Schools. North Carolina Department of Public Instruction Cash Management Section
Cash Management Guidelines For Charter Schools North Carolina Department of Public Instruction Cash Management Section What the Cash Management System Gives You Gives you the ability to request funds from
More informationTech Valley QuickBooks PowerUsers Receiving Money Anywhere
Tech Valley QuickBooks PowerUsers Receiving Money Anywhere Stop waiting in line at the bank! We have numerous options for receiving payments via credit cards, check scanning, web, phone, PDA and laptop.
More informationFAST & EASY TeleCHIEF Phone Banking is quick and simple to use. To begin TeleCHIEF, follow these step-by-step instructions.
SAFE & SECURE TeleCHIEF transactions can only be authorized with your account number and Personal Identification Number (PIN), selected by you. You must also complete and sign the attached application
More information