Cash Management Solutions

NBW Cash Management

NBW Cash Management allows your business to choose the services that help you reach your optimum operating efficiency and total business plan for success.

Payroll Direct Deposit Services

Save money on every paycheck you issue and recue reconciliation time. With NBW Payroll you can initiate direct deposit of your employee’s payroll from our payroll system to any financial institution in the country.

Automated Clearing House

Automated Clearing House (ACH) is an electronic payment processing facility that moves transactions throughout financial institutions. When your costumers authorize an electronic debit from their account, funds are electronically transferred to your account saving you recued check handling time and providing a convenience for your customers.

Merchant Card Services

NBW’s merchant Services allow you to offer your customers the convenience of paying you electronically with VISA and MasterCard. Now you can accept debit, credit, and online transactions just as easily as cash.

Remote Deposit Capture

NBW’s Remote Deposit Capture helps you manage your business more cost effectively. Make your deposits electronically from the convenience of your own office. This service results in less work, increased accuracy and reduced processing costs.

Line of Credit Sweep

NBW’s Automated Line of Credit Sweep is linked to your Business Checking Account and allows for movement of funds from your commercial line of credit if collected funds do not cover checks presented. If collected funds total more than the checks presented at the end of the business day, the collected funds automatically pay down the commercial line of credit. Eliminate time and inconvenience to request manual draws and helps to reduce interest expense.

Zero Balance Account

NBW’s Zero Balance Account Service is designated for companies that maintain a general operating account and separate accounts for payroll, petty cash or other purposes. With Zero Balance Accounts (ZBA’s) in place, all of the company’s funds are concentrated into one operating account. Disbursements are made from subsidiary accounts, which always maintain a zero balance. This account system allows the company increased investment opportunities and reduced administrative expenses.

Business Debit Cards

NBW’s Business Debit Card works everywhere MasterCard is accepted and offers the benefits you expect from a business credit card. Transactions are credited and debited directly from your NBW business account, with 24/7 account access to monitor spending in real time.

  • Save money by replacing checks with electronic debit card transactions
  • Get cards for employees and set purchase and withdrawal limits
  • Make purchases directly from your business checking account
  • View account activity and track expenses through NBW’s online banking service