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Cash Management Services
Copper Star Bank has many different accounts to choose from based on your business needs and volume.
- Business Debit Card
- Merchant Services
- Remote Deposit Express
- ACH Services
- Positive Pay
- Zero Balance Accounts
- Electronic Banking (E-Corp)
Business Debit Card
No more finding someone to sign a check to get office supplies or anything needed to run your business. A business debit card provides convenient and easy purchasing power to your business checking account.
Features:
- Order cards for employees of your choice
- Each card carries a personalized pin number
- A monthly statement shows who spent what where
- ATM access is based on authorized approval only
Merchant Services
We understand each business is unique. Regardless of your type of business – retail, lodging, restaurant service, healthcare, mail order/telephone order or Internet, Copper Star Bank has the solutions you need to optimize your processing services and your bottom line. Ensure quick and convenient collections and reduce billing costs by accepting credit card payments.
Features:
- Credit card acceptance
- Electronic Check Service
- Debit & Electronic Benefits Transfer (EBT)
- Electronic Gift Cards
- POS Equipment leasing or purchase
- Software and Internet products
Remote Deposit Express
Remote Deposit is the hottest new product in banking. Using a small scanner, you scan each check for deposit to your business account creating a deposit file which is submitted to Copper Star Bank via a secure Internet website.
Features:
- Eliminate trips to the bank
- Simplify record keeping
- Same day processing
Maintenance and Activity Fees:
- $40.00 monthly maintenance fee
- $0.12 per item deposited
- $490.00 set up fee*
* This is a one-time fee which includes the scanner, training, and training material.
ACH Services
ACH is an add-on module for E-Corp Online Banking and provides the tools to originate electronic credits or debits. The most common ACH use is for direct deposit of payroll checks and reimbursement of expenses. Many companies choose to pay invoices via ACH credit. ACH debit origination can be used to collect recurring payments. Common uses include funds concentration, homeowner’s dues and membership dues.
Maintenance and Activity Fees:
- $10.00 per file transfer
- $0.05 per item for individual credits or debits
Positive Pay
Positive Pay is a simple and effective tool in deterring check account fraud. With each check run, you provide Copper Star Bank with an issued check file via an Internet upload. Checks presented for payment on your account are matched against your issue file. Any items presented that do not appear in the issue file are exception items which require your approval to pay or return. Positive Pay is especially effective on accounts with high levels of activity such as payroll accounts.
Zero Balance Accounts
Zero Balance Accounts (ZBA) allow you to consolidate funds in a single account and use a sweep process to fund one or more disbursement accounts. Depending on your cash flow controls, ZBA accounts allow you to effectively isolate various disbursement types such as payroll or specific expense items. Funds are deposited to your concentration account, checks are written on disbursement accounts and funded with a nightly sweep resulting in zero balance in the disbursement accounts.
Electronic Banking (E-Corp)
E-Corp is online banking for businesses. E-Corp allows you to view account balances, transaction and checks. You can view multiple accounts and make transfers between accounts of like ownership. Access to information and activity can be determined at the account level and at the user level. Each user has an individual access ID and password. Account activity can be exported to an Excel spreadsheet for reconciliation or record keeping. In addition, if you use Quickbooks, your account activity can be downloaded to quickly reconcile your account.
