Angela Barahona
VICE PRESIDENT, CASH MANAGEMENT TEAM LEAD abarahona@countrybank.com Direct Dial: 413-277-2049 Cell: 508-713-2643
EMAIL ANGELA
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
THE DIFFERENCE IS IN THE DETAILS
CASH MANAGEMENT SOLUTIONS FOR YOUR BUSINESS
Get more out of the work day by using the latest technologies. Whether you are a new or established business, we offer a complete line of specialized business products and services designed to improve cash flow and reduce administrative efforts. Explore our cash management options to save time and simplify your finances.
Online Banking
Simplify your business banking—and your life—with this service that allows you to manage your bills, make loan payments, track spending, transfer funds, and so much more from the ease of your computer.
- Monitor account activity to verify deposits and withdrawals
- Transfer funds between accounts
- Make loan payments
- View past statements and cleared checks
- Set up one-time or recurring payments
- Use our bill payment services to save money spent on stamps, checks, envelopes and late fees
- Access a history of payments
- Electronic payments are more secure than sending checks through the mail
MOBILE BANKING WITH MOBILE DEPOSIT
Imagine having us in your pocket, available 24 hours a day to serve your business. Use your mobile device for secure, easy-to-use, and convenient access to deposit your checks—day or night.
Mobile Deposit is secure, easy to use, and offers convenient 24/7 access to deposit your checks with an Android, Apple® or Windows phone. Simply take photos of the front and back of your check, submit, and receive immediate confirmation your check image has been uploaded successfully.
Mobile Deposit is ideal for customers with low check volume. If your business deposits a higher volume of checks, consider remote deposit capture.
ACH SERVICES
Sometimes timing is everything. Gain more control over your payables process and dramatically increase the efficiency of your disbursement operations with ACH services. Your customers’ regularly scheduled payments can be electronically deposited to your Country Bank checking account automatically.
- Manage receivables and payables more efficiently.
- Establish direct deposit to automate recurring payments such as accounts payable, employee payroll, expense reimbursement, and dividend payments.
- Reduce costs and inefficiencies of producing and mailing checks.
- Set up direct payments to simplify the collection of recurring payments such as accounts receivable, service fees, rent, leases, tuition, membership dues, donations, etc.
REMOTE DEPOSIT CAPTURE (RDC)
Here’s a way to get more time back in your day! From the comfort of your office, you can scan checks and transmit the images to Country Bank for posting and clearing. These digital deposits are transmitted over an encrypted internet connection for added security.
- Save time, gas, and money by eliminating trips to the Bank.
- Expedite deposits, reduce float, and simplify your banking strategy all from the comfort of your office.
- Purchase a check scanner that can assist with image capture as well as transmission and settlement functions. Please contact us to verify if your check scanner is compatible with our software.
- Enjoy the use of a web-based product that eliminates the need for software updates/maintenance.
WIRE TRANSFER SERVICES
Since we’re online with the Federal Reserve Bank, you can wire money or transfer funds across the country safely and securely. Arrange one-time or recurring transfers from
your computer or initiate outgoing wires to any financial institution in the United States.
BUSINESS FRAUD PREVENTION AND PROTECTION
ACH Positive Pay
This tool is made to help you fight fraud associated with electronic payments. It gives your business the ability to block all ACH debits and/or credits from posting to your company accounts to prevent ACH fraud—and to control the ACH debits that post to your account.
Check Positive Pay with Account Reconciliation
Welcome to the most powerful tool available to combat check fraud. This service monitors each check presented and matches it to a list of known issued checks. If there is a question or discrepancy, we flag it and let you know via email allowing you to review your rejected items with ease.
With Account Reconciliation, accuracy is the name of the game during this process of ensuring your company’s financial records match your bank statements—and resolving any discrepancies.
LINE OF CREDIT SWEEP
This service automatically moves your company’s cash to where it benefits your business the most. Maintain a target balance so you borrow only what is needed to keep your account from being overdrawn. Pay it down automatically as cash becomes available in your account, minimizing interest expense.
Contact us if you are interested in adding this service.
LOCKBOX SERVICES
Streamline your payments with our Lockbox Services’ efficient payment processing for your business.
By partnering with us, you can:
- Accelerate Cash Flow: Get faster access to your funds with same-day or next-day deposit processing.
- Reduce Manual Handling: Minimize errors and save time by outsourcing your payment processing to our automated lockbox system.
- Improve Record-Keeping: Receive detailed, customized reports that integrate seamlessly with your accounting systems.
- Enhance Security: Protect your payments with advanced security measures and encryption.
- Tailored Solutions: Whether you need wholesale, retail, or wholetail lockbox services, we offer solutions that meet the unique needs of your business.
MERCHANT SERVICES
Start accepting credit card and debit card payments at your business with merchant services. Getting started is easy and you’ll receive the latest equipment, systems, and service designed to help your business succeed.
- Next business day funding
- In-person, online and mobile payment solutions
- Chip card/EMV terminals and tablet point-of-sale systems
- Loyalty and gift card programs
EXPERTISE MAKES ALL THE DIFFERENCE
MEET YOUR CASH MANAGEMENT TEAM
Your growing business needs a bank that can do more than just keep up. You need a team that stays one step ahead and understands what’s at stake. Our team of experts understands what businesses are up against, and we are dedicated to creating unique solutions that fit your business.
Carla
Alves
VICE PRESIDENT, BUSINESS BANKING LOAN OFFICER calves@countrybank.com Direct dial: 413-277-2110 Cell: 413-530-7608
EMAIL CARLAFINDING YOUR SOLUTION
CASH MANAGEMENT FAQs
How would I contact Cash Management Customer Support if I need assistance?
Our Cash Management Support Team is available Monday – Friday from 8:00-4:30 at 413-277-2206.
How can I grant online banking access to users for my business accounts?
We offer self-administration where you can grant an administrator who will have access to add and remove online banking users at any time.
Does Country Bank offer domestic and foreign wire services?
Yes, if your business is set up for wire transfers, you will have the ability to send both domestic and foreign wires (foreign wires will need to be sent in U.S. funds).
Do you offer same day ACH payments?
Our ACH payments processed through the cash management are available the next business day, not the same day.
When are funds available from RDC deposits?
The funds will be available the same day unless you are notified differently for deposits made on a business day. If the deposit is made on a non-business day, the funds will be available by the end of the next business day unless you are notified differently.
HOW CAN WE HELP YOU
CUSTOMER SERVICE
Locations
Experience the difference of exceptional service when you stop by a local banking center.
FIND LOCATIONS
BUSINESS BANKING SIMPLIFIED
MOBILE BANKING
Monitor Your Accounts
Review account balances and transactions for your business checking and business money market accounts.
Deposit Checks
Easily deposit your business’s checks from your smartphone 24/7.
Pay Bills
Manage your bills monthly or set recurring payments to stay on top of your business finances.