Business Cash Management Services

Twin City e-Banker
Automated Clearing House (ACH) –
Originate direct deposit and collection transactions via the internet.

Click here to Access
Quickly & easily set up repetitive domestic wire transfers, import or create ACH files for direct deposit & direct debit, and monitor their processing

Zero-Balance Account

Provide an automated, efficient means of cash flow control between multiple accounts. Eliminate the need to maintain idle balances in accounts in anticipation of checks clearing. Funds are automatically transferred from a designated “master” account to the individual Zero Balance Accounts as funds are needed.

Reduce Idle Balances
Reduce Forecasting Errors
Consolidate Deposits
Save Time – transfers are automatic, so there's no need to monitor balances and request manual transfers

Check Imaging Service

Twin City Bank Check Imaging Service is a state-of-the-art system that saves checks on CD-ROM.

Research paid checks using your personal computer
Quick, easy access to paid check records
View check images on screen to review signatures, endorsements and MICR encoding
Clear, crisp check images
Reduces costs associated with storing paid checks
CD-ROMs are delivered via U.S. Mail within 3 business days after the end of the statement cycle

Line of Credit Sweep

Make the most of your cash every day!

All you need is a checking account and a linked investment or loan account.

At the end of each business day, we automatically review your checking account balance and determine if posting will create an excess or deficit balance position.
If posting would result in an excess balance, we sweep the cash first to your linked Twin City Bank revolving line of credit and then to your linked Twin City Bank investment account.
If you have a deficit balance, we sweep from your linked TCB investment account and then from your linked TCB revolving line of credit.
In either case, your cash is always working as hard as it can to provide the best benefit to your company.

Lockbox Services

Accelerate collections and deposits of customer payments. Put funds to work faster for debt reduction and investment purposes. Twin City Bank's lockbox service is designed for businesses with low-volume, high-dollar remittances, and can be tailored to meet the specific needs of your business.





	Business Cash Management Services Twin City e-Banker Automated Clearing House (ACH) – Originate direct deposit and collection transactions via the internet. Click here to Access Quickly & easily set up repetitive domestic wire transfers, import or create ACH files for direct deposit & direct debit, and monitor their processing Zero-Balance Account Provide an automated, efficient means of cash flow control between multiple accounts. Eliminate the need to maintain idle balances in accounts in anticipation of checks clearing. Funds are automatically transferred from a designated “master” account to the individual Zero Balance Accounts as funds are needed. Reduce Idle Balances Reduce Forecasting Errors Consolidate Deposits Save Time – transfers are automatic, so there's no need to monitor balances and request manual transfers Check Imaging Service Twin City Bank Check Imaging Service is a state-of-the-art system that saves checks on CD-ROM. Research paid checks using your personal computer Quick, easy access to paid check records View check images on screen to review signatures, endorsements and MICR encoding Clear, crisp check images Reduces costs associated with storing paid checks CD-ROMs are delivered via U.S. Mail within 3 business days after the end of the statement cycle Line of Credit Sweep Make the most of your cash every day! All you need is a checking account and a linked investment or loan account. At the end of each business day, we automatically review your checking account balance and determine if posting will create an excess or deficit balance position. If posting would result in an excess balance, we sweep the cash first to your linked Twin City Bank revolving line of credit and then to your linked Twin City Bank investment account. If you have a deficit balance, we sweep from your linked TCB investment account and then from your linked TCB revolving line of credit. In either case, your cash is always working as hard as it can to provide the best benefit to your company. Lockbox Services Accelerate collections and deposits of customer payments. Put funds to work faster for debt reduction and investment purposes. Twin City Bank's lockbox service is designed for businesses with low-volume, high-dollar remittances, and can be tailored to meet the specific needs of your business.