177 Years of Business
Banking Innovation
At Rollstone Bank & Trust we’re as committed to business banking as you are to your business. We know that running a business takes all of your time and energy. That’s why we have designed a full array of cash management options to help you monitor your cash position as easily & efficiently as possible. In addition to Business Checking and Savings accounts, we also offer:
Rollstone Bank & Trust’s Business eBanking 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 activity, search past transactions, transfer funds between accounts, view check images, and more – all from your own home or business.
If you have a Small Business Checking account, you can access your account online at no charge. We also offer more sophisticated tools such as ACH payments and wire transfer capabilities for those in a Commercial Checking account.
Contact us today to sign up or learn more.
Rollstone Bank & Trust’s Remote Deposit Service lets you make deposits to your business checking account right from your mobile device or office, depending on your volume. Checks you receive from your customers are sent to us electronically for posting, so you and your staff can stay at work, running your business, and saving valuable time.
Benefits include:
If you think the desktop solution might be best for your business, contact us today to get answers to all your questions and schedule a free demonstration.
Wire transfers allow you to directly transfer funds electronically and achieve same-day availability. We can process incoming or outgoing transfers, foreign or domestic. Fees may apply. For Commercial Checking Account customers, there is also a wire transfer module available in Business eBanking. Contact us for more information.
Rollstone Bank’s Lockbox Service is an automated process designed to help your business collect payments more effectively. Payments are routed directly to a post office box where they are collected, verified, imaged, and deposited.
This service is ideal for businesses that have a large number of checks on a routine basis. We collect, process, and deposit payments for you, which saves you time and expedites the availability of your deposits. Streamline your payment processes with Rollstone's Lockbox Service.
Contact us today to get started.
If you can’t make it to the bank during regular business hours, night depositories allow you to drop off your deposit at your convenience. This service, available at most of our locations, lets you make your deposit in a safe and secure way, using convenient disposable deposit bags. Your deposit is counted, verified, and credited to your account on the next business day.
We also offer you some tips for staying safe when using the night drop service.
Rollstone Bank & Trust’s debit card is linked to your RBT business checking account. It can be used to get cash at an ATM or to make purchases anywhere Mastercard© is accepted, and then the funds are automatically deducted from your checking account. Unlike a credit card, there are no monthly payments or finance charges. Business owners can provide cards to employees, too, with customized settings and limits. The activity on each card is itemized on your monthly statement for easier recordkeeping.
For Businesses
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. No matter which card you choose, your business will benefit from important features like:
• Free online expense reporting tools.
• No fee for additional employee cards.
• Mobile payment capability for added convenience.
• Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
• Cardmember Service available 24 hours a day/365 days per year.
* Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
This service is provided for business customers who wish to accept credit card payments from their customers. Through our partnership with Heartland, we can offer you payment solutions for your business, with options including:
Contact us today for more information.
Autobooks helps simplify the payment and receivable process for your business. It can:
Learn more or contact us for more information.
Routine business activities like opening an email or visiting a website can leave your business vulnerable to fraud. You can help mitigate the risks and losses from potential fraud with RBT's fraud detection tools.
Check out our Security page to learn more about protecting your personal and business finances from fraud.
Rollstone's suite of business deposit accounts ensures that your funds are there when you need them, while putting excess funds to work earning a return.
Checking Accounts - choose from Small Business, Commercial, or Business Interest Checking, depending on the volume and complexity of your transactions. Contact us to help determine which one best meets your needs.
Savings, Money Market, and Certificate of Deposit (CD) and Retirement Accounts - Keep your funds liquid while earning interest to maximize your cash flow.
Payroll Accounts - When you separate your payroll and operating accounts, you are protecting the integrity of your finances and simplifying reconciliation of the accounts.
Zero Balance Accounts - “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.
Concentration Accounts - With the concentration service, all balances from subsidiary accounts are automatically moved into one Concentration account at the end of each business day.
