At VCB, we want you to focus on what you do best — manage and grow your business — rather than spend time on financial tasks or extra trips to the bank. Our Cash Management services can help you simplify banking, improve your cash flow and enhance return on funds.
We offer these tools to help your business operate smoothly, efficiently and profitably:
Receivable Solutions |
Disbursement Solutions |
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Make cash flow more efficient by speeding up funds availability. |
Take advantage of fast, convenient and secure solutions for your payment processing. |
Information Solutions |
Investment & Control Solutions |
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Access vital account information on your time, day or night. |
Maximize your profits and time while minimizing your expenses and hassle. |
Are you ready for us to maximize your money’s potential? Contact a Cash Management Representative today at (571) 262-0878 for additional information and exceptional customer service.
Your business relies on positive cash flow. Why not make collecting and processing easier with our receivables solutions?
Cash Concentration — Through Business Online Banking, you can easily move funds from outlying banks to one bank — VCB. Then use the concentrated funds to maximize your earnings.
Deposit Express (Remote Deposit Capture) — This service allows you to make deposits electronically from your office at your convenience, meaning fewer trips to the bank, longer banking hours and convenient record-keeping through an automatic image archive. Learn more about Deposit Express and how it can work for your business.
Lockbox Services — Turn your company’s incoming receivables into cash with maximum speed, efficiency, and accuracy. Reduce mail and processing time to cut down administrative burden and expense. Benefit from:
- Image Archive: All images and index details are accessible via the web for your convenience.
- Image-Based Exception Reporting: View sharp, clear images of checks, check stubs and remittance documents on your computer; track items and deposit funds in the bank the same business day.
Merchant Services — Speed up credit card processing time and lower your business expenses while giving your customers more payment options. Also benefit from quick purchase approvals and online transaction reporting. Find out more reasons why VCB Merchant Services is a smart business decision.
Preauthorized Debits — Get paid without having to send an invoice. Electronically debit your customers’ account at their bank using our convenient Automated Clearing House (ACH) application in Business Online Banking.
While we can’t eliminate your payments, we can make processing them much simpler with our disbursement solutions.
Automated Clearing House (ACH) — Get more flexibility for your business’s banking with ACH, which conveniently and easily enables direct deposit of payroll, cash concentration and vendor payments.
Direct Deposit of Payroll — Let us help you minimize the need to write checks for employees’ payroll by electronically depositing pay into any account at any bank or other participating financial institution anywhere. And the best place for their payroll deposit is a VCB@Work account; learn about the extra benefits your employees get when they bank with VCB.
Fedwire Transfers — Send funds domestically or internationally for same day credit with this easy and quick solution.
Zero Balance Accounts — Maintain separate disbursement accounts for your record keeping while consolidating balances.
Get the power to streamline your business and maximize your money’s potential today! Contact a Cash Management Representative at Or let us contact you. |
Do you know what’s going on in your business’s account? VCB can help you track your account activity and history easily and efficiently.
Business Online Banking — Take advantage of the flexibility and convenience of banking online in real-time 24 hours a day, 7 days a week. You’ll have account access at your fingertips and can even export information to QuickBooks®, Quicken®, Microsoft® Money or .csv file format. Learn more about Business Online Banking and how it can help you.
Positive Pay — Do you want a powerful tool to help minimize potential check fraud? Learn how your business can benefit from Positive Pay.
Telebanking — Wherever you have access to a telephone, you also have 24/7 FREE access to your account information. Just call 1-800-861-4356 and follow the simple directions.
Wire Exchange — Down-to-the-wire business transactions are less stressful with automatic email notification and secure wire services.
Corporate eVision —Get a more complete picture of your business's transactions with anytime access to images of cleared checks or other deposited items dating back 7 years. Plus, manage records effectively with options to sort, export, email, save or print.
Account Analysis — Make your deposit balances work for you. We’ll provide a competitive rate on your collective balance to accrue an earnings credit allowance, used to offset your bank activity and cash management fees for the statement cycle.
Sweep Services — Automatically invest your excess funds or draw against your line of credit, depending on your cash position, to put your company’s funds to work effectively.
- Sweep investment: You get some rest; we’ll keep working. Each night, we invest excess available funds in your commercial checking account in an Overnight Repurchase Agreement.
- Sweep Line: You don’t need to worry if the balance in your account falls short; an automatic loan will advance from your line of credit.
Escrow Manager — Simplify accounting procedures and decrease paperwork associated with managing your client’s escrow funds. You can maximize interest earnings and enjoy FDIC insurance coverage for each sub-account. Plus, pay no maintenance or service fees.
Maximize your money’s potential today. Contact a Cash Management Representative at (571) 262-0878 for additional information and exceptional customer service. Or you can let us contact you.
