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At Rollstone Bank & Trust we’re as committed to business banking as you are to your business. We know that running a small or medium size business takes all of your time and energy. That’s why we’ve designed a full array of cash management options to help you run your business as efficiently and economically as possible. In addition to Business Checking and Savings accounts, we also offer:
Remote Deposit Service
Rollstone Bank & Trust's Remote Deposit Service, CCX, lets you make deposits to your bank account without leaving your office! Using a special scanner, checks you receive from your customers are sent electronically to us for posting. You and your staff can stay at work, running your business, and saving valuable time. Contact us for more information or to schedule a demo.
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Sweep Account
Use a Sweep Account to make the most of idle funds in your Rollstone Bank & Trust business checking account. We work together to determine your target balance, and anything over that sweeps out to a money-making account. If your checking balance falls below the target, funds will be swept in.
- Automatically invests excess checking balances overnight;
- Sweep funds fully secured by U.S. Treasury Notes
- Predetermined balance required in Rollstone Bank & Trust Commercial Checking Account for funds to sweep
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Commercial Money Market Account
A Commercial Money Market Account offers commercial customers the competitive rates of a High Yield Savings Account with the flexibility and convenience of check writing.
- $2500 minimum opening deposit
- Tiered interest rates
- Free checks and deposit slips
- Visa Check Card available
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Payroll Account
Customers can have a payroll account right where they do their “regular” banking — at Rollstone Bank & Trust! Payroll accounts have the same great features and benefits as our other commercial checking accounts. Process your company's payroll efficiently with a separate payroll account.
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Zero Balance Account
“ZBAs” allow you to consolidate funds into a single concentration account and fund daily clearings from secondary accounts automatically, so you can segregate and monitor deposit and disbursement activity for multiple business accounts such as an Operation Account, Payroll Account, and a variety of other accounts. At the end of each business day, if any of the ZBAs are deficient, the concentration account is drawn down to fund the ZBA, bringing its balance back to zero. If any of the ZBAs maintain excess balances, the excess cash is transferred to the concentration account.
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Concentration Account
With the concentration service, all balances from subsidiary accounts are automatically moved into one Concentration account at the end of each business day.
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Tax Payments
Rollstone Bank & Trust's Cash Management provides customers with a quick efficient way to make federal tax payments. There are 3 options available:
- Using a touch-tone phone or a PC with Internet access, cutomers can schedule a payment for up to 30 days in advance. On the date specified, the account will be debited. Check writing and tax coupons are eliminated! Pre-enrollment is required.
- Rollstone Bank & Trust can set up an ACH debit, with is an automatic electronic transfer from the business checking account to the IRS.
- Customers obtain paper coupons according to IRS guidelines and bring them to any of our branches for payment processing.
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Night Depository
Night depositories are available at all of our branches. The depository is safe and secure and accessible by key only. Disposable deposit bags are available.
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Debit Card
Rollstone Bank & Trust's Visa Check Card is linked to a checking account. Can be used to get cash at an ATM or to make purchases anywhere Visa is accepted— the funds are automatically deducted from your checking account. So, unlike a credit card, there are no monthly payments or finance charges. Safe, fast, and convenient.
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Online Banking
Rollstone Bank & Trust's Business Online Banking provides complete balance and transaction reporting information. Access your account information 24 hours a day, 7 days a week. Log on and you can view up-to-the-minute transactional activity, search past transactions, transfer funds between accounts, view check images, and more – all from your own home or business. Sign up today or take an interactive demo.
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Early Morning Balance Fax
Customers will receive a fax each morning with an updated account balance. Fees may apply.
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Wire Transfers
Wire transfers are the best way to transfer funds electronically and achieve same-day availability.
- Directly receive or send funds.
- Incoming Transfers
- Outgoing/Domestic Transfers
- Outgoing/Foreign Transfers
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Merchant Credit Card Services
This service is provided for business customers who wish to accept MasterCard and Visa payments from their customers.
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Remittance Processing (Lockbox Services)
Lockbox banking is a cash flow improvement technique in which a business has its customers' payments delivered directly to a special post office box instead of the business address. In lieu of the business picking up their payments, a courier collects them from the special post office box. The payments are opened, electronically processed, and directly deposited into the business's account.
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CD-ROM Check Imaging
Check imaging electronically captures the front and back of a paid check and stores it on a CD-ROM. The CD-ROM is then sent to the customer in place of canceled checks.
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Contact Us for More Information or to Open an Account
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