May 14, 2008

We offer a wide range of cash management products and services designed to help you make your business more efficient and profitable. Click on the specific service listed as follows to go directly to that service:

Remote Deposit Service
Commercial Online Banking
Zero Balance Accounts
Commercial Sweep Services

For more information on our services below, call Judith Masishin at 302-838-7364.

Or click here for our commercial contact directory.

Cash Management Services are available to Business Checking Account, Commercial Analysis Checking Account, Non-Profit Checking Account, and Non-Personal Interest Checking Account Customers.

Remote Deposit
Now You Can Have a Bank Branch Right On Your Desk!
Our Remote Deposit is a web-based, check image capture, storage and processing solution that enables us to provide business customers the ability to deposit paper checks of all types electronically without the need to come to the Bank. Do your banking business from your desk, office, or store.

Remote Deposit can:
-Convert paper checks into electronic transactions
-Captures images of the front and back of checks
-Creates detailed reports for quick image reference and audit control
-Increase cash flow to your business

Benefits to the Customer:
-No more trips to the Bank to make deposits
-Next day availability of funds
-No more waiting in teller lines
-Deposit Cut-Off times as late as 7:00pm
-Easy to use, Safe and Secure

All you need is a computer with:
-High Speed Internet Connection
-Windows XP
-USB Connection
-Internet Explorer 6.0 or higher

Ideal for small businesses with high check volume such as:
-All types of retail establishments
-Doctors and Dentist Offices
-Property Management Companies

Commercial Online Banking
You may have enjoyed the easy access to your account information provided by our Online Banking and Bill Payment, but now find you need to gain greater control of your finances. Now you can! Our Commercial Online Banking is a secure and comprehensive service designed to give you greater control of your finances.

While having 24/7 access to your accounts, you can manage many types of activities, including:
Direct Deposit – the electronic transfer of a payment from your company or organizations’ checking into the checking or savings account of an employee, retiree, taxpayer, or shareholder. A simple payment can be divided between several different accounts, and in many cases, between different financial institutions. Payroll files can be uploaded from your existing accounting software into the Artisans’ Bank Cash Management System. Process deposits for:
-Payroll Deposits
-401k Payments
-Annuities
-Bonuses
-Travel Expense Reimbursements
-Pension Payments
-Shareholder Dividends

Direct Payments – the electronic transfer of a preauthorized payment from a consumer’s checking or savings account into your company’s or organization’s checking account.
-Ensure timely payment collection
-More predictable and reliable timing of receipts
-Efficiency is increased
-Processing costs are reduced
-Exception processing is reduced

Tax Payments* – makes it simple and easy for your business to initiate tax payments online for:
-State Corporate Taxes
-Federal Corporate Taxes
-Payroll Taxes
-Other Tax Payments
*EFTPS enrollment required for Tax Payments

Zero Balance Accounts (ZBA)
With a Zero Balance Accounts (ZBA) you can manage separate bank accounts for each of your company’s locations or for various accounting purposes. Artisans’ Bank’s Zero Balance Account (ZBA) allows independent operating accounts to be funded from – or concentrated to – a single account, resulting in improved control over disbursements, collections and cash flow.

Am I a good candidate for ZBA?
Does your company have multiple locations, each having their own checking account? Do you have to monitor the balances in those accounts and transfer funds between them? Do you have multiple accounts for various accounting purposes, such as payroll, petty cash or expenses? Do you have to monitor those balances and allow for disbursements? Do you find yourself in a rush to make a transfer from one account to another to ensure there are enough funds to cover a check? If you answered "yes" to any of these questions, then you are a good candidate for our Zero Balance Account services.

How it works - with your checking account as the master (parent) account, you can establish any number of commercial accounts (ZBA). These ZBAs can then receive deposits from each of your company locations, or they can disburse funds for your multiple accounting purposes. At the end of the day, we will automatically transfer the excess balances in each ZBA to the parent account, or transfer funds from the parent account to each ZBA to cover the items that are presented that day.

Commercial Sweep
Automatically put excess funds to work for you with our Commercial Sweep Services. Each evening, excess funds will be automatically swept from your checking account into our Business Money Market* account, earning you competitive rates of interest.

You can maximize your revenue, and earn interest on your business checking account without having to juggle balances between accounts.

How It Works – with our Commercial Sweep Service you establish a target balance in your account. When cash is in excess of your target balance, the excess is automatically swept daily from your checking account into a Business Money Market account, ensuring competitive rates on all of your excess cash balances.

If your end-of-day checking account balance falls below the target balance, funds will be automatically swept back into your checking account in order to raise your balance to the target level.

Because the sweeps to and from your checking account are automatic, there is no need for you to worry about managing your daily balances. No need to make last minute phone calls or wire transfers. We will work with you to confirm the ideal target balance that you need to manage your daily business, so that excess cash will be automatically swept into the Business Money Market account to earn you competitive rates of interest.

*For regulatory purposes, Business Money Market Accounts are classified as savings accounts and are subject to third-party transaction limitations. You may sweep an unlimited number of times into Business Money Market. However, sweeping out of the Business Money Market account is limited to six third-party transfers. Because checks can be written to third-parties from your checking Account, sweeps into it from Business Money Market are considered third-party transfers and subject to restriction.