Commercial Treasury Management Improved Returns? That’s Brilliant

Our online plat­form allows you to process pay­roll for your employ­ees, or bill your cus­tomers for ser­vices ren­dered. This solu­tion can reduce check fraud and help you col­lect receiv­ables faster.

Earn an inter­est cred­it to off­set any fees that might be applied to your account. Min­i­mum to open $100. Earn­ings cred­it is based on Bank’s cur­rent inter­est rates.

This account is designed to pro­vide mil­lions of dol­lars of FDIC deposit insur­ance pro­tec­tion through a ful­ly auto­mat­ed cash man­age­ment account.

• Pro­tec­tion – Receive mil­lions of dol­lars in FDIC deposit insur­ance pro­tec­tion through a sin­gle account; sev­er­al times more insur­ance than tra­di­tion­al deposit accounts.
• Growth – All account types, includ­ing busi­ness­es, pub­lic funds and con­sumers, have the poten­tial to earn a rate of inter­est so that your mon­ey is con­stant­ly work­ing for you.
• Access – Enjoy dai­ly access to your funds with no trans­ac­tion limitations.
• Con­ve­nience – Con­sol­i­date mul­ti­ple bank rela­tion­ships into one con­ve­nient account to cut down on paper­work and the coor­di­na­tion of mul­ti­ple month­ly statements.

Process your ACH pay­ments and remit­tance infor­ma­tion more effi­cient­ly with Elec­tron­ic Data Inter­change (EDI) report­ing ser­vices. EDI data is attached to the ACH pay­ment and includes pay­ment relat­ed infor­ma­tion such as invoice num­ber and the ben­e­fi­cia­ry of the received pay­ment, which is then sent via secure email.

Let your check­ing funds work for you. LineLink uses excess cash not being used in your oper­at­ing account to pay down a line of cred­it, and uses avail­able line funds to cov­er items clear­ing in your oper­at­ing account. Pre­vent over­drafts on your oper­at­ing account once and for all. With LineLink, you can rid dor­mant bal­ances in your busi­ness accounts while mak­ing loan advances and pay downs sim­ple — and quick!

Lock­box is a ser­vice pro­vid­ed to com­pa­nies for the receipt of pay­ment from cus­tomers. Under this ser­vice, the pay­ments made by cus­tomers are direct­ed to a spe­cial post office box instead of going to the com­pa­ny. The lock­box spe­cial­ist will process all check deposits, coupons, remit­tances and cor­re­spon­dence that are deliv­ered. Com­pa­nies deposits will be auto­mat­i­cal­ly processed into their oper­at­ing account. Com­pa­nies will be grant­ed access to an elec­tron­ic por­tal to view all deliv­ered doc­u­ments and images.

Pro­vid­ed by Banc Card, Mer­chant Ser­vices allows small, mid and large-size busi­ness own­ers with the tech­nol­o­gy to accept cred­it card pay­ments, stream­line their busi­ness and increase cash flow. For any busi­ness that col­lects pay­ments elec­tron­i­cal­ly, this solu­tion allows quick access to funds paid by cus­tomers and elec­tron­ic invoic­ing of cus­tomers. Please reach out to Trea­sury Sales for assistance.

Inves­tar Bank’s Com­mer­cial Mobile Deposit ser­vice allows a busi­ness to make a deposit direct­ly to their eli­gi­ble check­ing or sav­ings account using the Inves­tar Bank Com­mer­cial Mobile App by cap­tur­ing an elec­tron­ic image of the item.

This ser­vice is ide­al for high vol­ume account hold­ers to improve dai­ly account rec­on­cil­i­a­tion. Research for and retrieve elec­tron­ic ver­sions of check images and state­ments asso­ci­at­ed with a cus­tomer account(s) at Inves­tar. You will be able to com­plete detailed trans­ac­tion search in the fol­low­ing ways:

• Per­form on us check research through a date range, ser­i­al num­ber range or dol­lar amount range;
• Per­form check deposit research and view all con­tent images with­in the deposit. This search can also be
• com­plet­ed through a date range, ser­i­al num­ber range or dol­lar amount range;
• Per­form export func­tions with all trans­ac­tion research;
• Print front and back copies of all trans­ac­tion research in a cus­tomized format;
• Per­form state­ment reviews;
• Print or save archived statements.

With online bank­ing, you can quick­ly and eas­i­ly access bal­ance and trans­ac­tion infor­ma­tion for all accounts, sub­mit bill pay­ments and view cleared checks from your com­put­er or your smart device. This solu­tion offers a ded­i­cat­ed secure brows­er, the option to give mul­ti­ple users access to accounts and the abil­i­ty to ver­i­fy deposits online.

A fraud pre­ven­tion tool for busi­ness­es that have a high vol­ume of check writ­ing or ACH items and/​or issue high dol­lar checks or ACH items. We ver­i­fy the infor­ma­tion pre­sent­ed to clear against an elec­tron­ic file sub­mit­ted by you. If the pre­sent­ed check or ACH infor­ma­tion does not match our file, an online bank­ing report will be gen­er­at­ed for your review and deci­sion. For your incom­ing ACH trans­ac­tions, our sys­tem will allow you to man­age your ACH rules to pre­vent future excep­tions. We also offer ACH block ser­vices which will block all ACH items com­ing through on your account.

Take con­trol over employ­ee spend­ing with this on-the-go busi­ness solu­tion pro­vid­ed by BizNOW which offers cash flow man­age­ment with a pre­paid Mas­ter­card and mobile app. Click to learn more.

Enjoy the ease of pro­cess­ing your own deposits right from your desk, sav­ing you time and mon­ey! This ser­vice offers unlim­it­ed check deposits until 5pm Cen­tral Time. 

Inves­tar Bank’s Star Remote Deposit is a hybrid, ​“patent pend­ing” web-based ARC Check 21 solu­tion that process­es and deposits all types of paper items into elec­tron­ic trans­ac­tions or sub­sti­tute checks, bet­ter known as IRD, all through a sin­gle point of entry system.

With Star Remote Deposit you can con­tin­ue to accept your customer’s paper check pay­ments, either at your busi­ness loca­tion or via the U.S. mail. Elec­tron­i­cal­ly process and deposit checks with­out hav­ing to go to the bank. Scan, process and deposit all types of paper items at your busi­ness loca­tion using a check scan­ner. Cap­tured images and data are then trans­mit­ted for clear­ing and elec­tron­i­cal­ly deposit­ed into your bank account.

It’s sim­ple. Every­thing is done in your busi­ness envi­ron­ment – no bank vis­its, deposit slips or man­u­al data entry. All you need is inter­net access, one of our desk­top scan­ners, and a per­son­al com­put­er. Run the checks through a scan­ner and watch each paper check con­vert into an elec­tron­ic image, and even­tu­al­ly into an elec­tron­ic deposit.

Here’s how Star Remote Deposit works:

1. The mer­chant receives a check for pay­ment of goods and ser­vices. Using Star Remote Deposit and a desk­top check scan­ner, you can now begin to scan checks.
2. Trans­ac­tions and images that were scanned are sub­mit­ted via Inves­tar Bank’s secure web-based system.
3. Inves­tar Bank receives the trans­ac­tions and images and sends Image Cash Let­ters (ICL) to the Fed­er­al Reserve.
4. The Fed­er­al Reserve makes deposits to Inves­tar Bank’s FED Deposit Account.
5. Inves­tar Bank rec­on­ciles FED deposits through its core proces­sor and dis­trib­utes deposits to your account.

This deposit solu­tion is per­fect for busi­ness­es with high vol­ume cash deposits. You will be pro­vid­ed with a Loomis Safe­Point® Vault that acts as a ​“reverse” ATM. Deposits are made into the vault at your place of busi­ness. The vault secures cash, rejects coun­ter­feits, counts deposits and facil­i­tates dai­ly credit.

To pick up your deposits and pro­vide cur­ren­cy orders, your busi­ness will be pro­vid­ed with an armored car ser­vice by Loomis. This ensures safe­ty for you and your busi­ness by elim­i­nat­ing the need for your employ­ees to bring large amounts of cash to one of our branch­es. Change/​currency orders are placed through a secure web­site with Loomis.

Secure­ly and quick­ly send wires from your account to anoth­er finan­cial insti­tu­tion with the click of a but­ton. This ser­vice is the per­fect solu­tion for cus­tomers who process fre­quent in-branch wires. For instruc­tions about wire trans­fers, click here.

ZBAs can help you rid your busi­ness accounts of dor­mant bal­ances by auto­mat­i­cal­ly trans­fer­ring funds night­ly into anoth­er account, min­i­miz­ing risk and pre­vent­ing fraud for busi­ness­es with mul­ti­ple locations.