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Joshua Tree Rock

Solutions to Improve Your Cash Flow

Treasury Services

At Bank of Southern California, your banking needs and activity are analyzed by our experienced bankers to help you find the best solutions and maximize your time and cash flow.

  • Online Banking

  • Remote Deposit Capture

  • Wire Transfer Service

  • ACH Origination

  • Sweep Accounts

  • Positive Pay

  • Cash Vault Services

  • Courier Services

  • Lockbox Service

Online Banking

Online banking provides you with 24/7 real-time access to your accounts to help you monitor and reconcile account activity and manage cash disbursements and collections.

With online banking, you can:

  • View your account activity
  • Check your account balances
  • Transfer funds between accounts
  • View statements and check images
  • Pay bills
  • Originate ACH payments and wire transfers
  • Make your Federal tax payments
  • Set up employee access, assigning individual permissions and tracking their online transactions
  • Directly sync banking activity with QuickBooks software

Remote Deposit Capture

Remote Deposit Capture allows you to make deposits from your business and speed up the collection of your funds without leaving your office. You will be provided with a Remote Deposit Capture scanner free-of-charge that allows you to securely scan and electronically transmit your checks to the Bank for processing.

Wire Transfer Service

Wire Transfer Service allows you to transmit funds quickly and conveniently. Whether it is domestic or foreign transfers, we make it easy to initiate wires through our online banking service, e-mail, fax, or in-person at our branches. We also provide e-mail notifications, so you always know the status of your transactions.

ACH Origination

ACH Services greatly increase the speed, accuracy, and efficiency of your payments and collections. Whether you are looking to offer direct deposit to your employees, pay your vendors electronically, process your Federal tax payments, or receive payments from your customers, ACH processing allows you to handle payments electronically.

Sweep Accounts

Sweep Accounts maximize your balance by establishing automatic transfers between accounts to cover expenses, minimize unnecessary fees, and boost interest earnings.

  • Zero Balance Accounts: Are generally used for payroll accounts. Money is transferred into these accounts only to cover the outgoing payroll checks, thereby maintaining a zero balance and maximizing the funds available in your operating account.
  • Excess Balance Sweep: Automatically transfer balances above an established amount from your business checking account into an interest-bearing money market account to maximize interest earned.
  • Overdraft Protection: We ensure that your check payments are honored with automatic overdraft protection from available funds in another deposit account or from a line of credit.
  • Expanded FDIC Insurance: Are ideal for companies or non-profit organizations required to fully insure funds. Excess funds deposited with other financial institutions are automatically transferred as needed to insure your funds and maintain liquidity.

Positive Pay

Positive Pay helps to monitor and protect your business against potential fraudulent activity. You submit an electronic file of checks issued, which is matched against items that have been submitted for payment. Any exception items are presented to you for your review and approval, and unauthorized checks are returned without risk to your business.

Cash Vault Services

Cash Vault Services with armored carrier allow you to securely deposit and receive higher cash volumes without visiting the bank. You also have the option to receive same-day credit for cash deposits with safe deposit technology.

Courier Services

Courier Services allow you to have your bank deposits picked up daily or on a regular schedule to save you and your staff valuable time.

Lockbox Service

Our lockbox service gives you a powerful tool to streamline your receivables with improved cash flow. Your check payments and related documents come directly to us for processing and are automatically deposited into your account. Through a simple online interface, you are able to view check images, related documents and correspondence, and retrieve reports and posting files.

Want to learn more?

Contact us to learn how Bank of Southern California can help your business improve its cash management.