CASH MANAGEMENT
Business Account Analysis
To help our business clients maximize their use of bank services, Seacoast Commerce Bank provides a detailed account analysis. Each month you will receive a single statement that itemizes all of the bank services you use. Deposit balances earn credit that can be used to offset service charges to your account.
If you maintain several business accounts with the bank, you may combine these accounts for group analysis calculations. Combining business accounts allows the balance in one account to support the service charges and fees from another account. In addition to your monthly analysis statement, you will also receive a group statement that summarizes information for each analysis account. This account analysis statement information allows you to manage your funds in the most beneficial manner for your company.
Online Cash Management
Online Banking Cash Management offers comprehensive cash management services with just a click of a mouse. It helps manage bank balances and cash positions, verify bank activity and initiate transactions. The data can be easily moved into a spreadsheet program, accounting software, or other accounting applications.
Service Options
Information Reporting Services include:
• Previous Day Reports
• Detail and Transaction Report
• Detail and Summary Spreadsheet data to export
• Current Intra-Day Reports
• Detail and Transaction Report
• Balance and Float Report
Transaction Initiation Services include:
• Account Reconciliation
• Stop Payments
• Wire Transfers
Features and Benefits
• Access standard reports plus customizable views
• Export data for spreadsheets, word processing or accounting packages
• Control downloads of account data
• Administer security and system setup
• Contact dedicated customer support Monday through Friday from 8:00 a.m. to 5:00 p.m
Remote Deposit Capture
Seacoast Commerce Bank’s Remote Deposit Capture Service, available exclusively for businesses, is an electronic check-processing tool that allows you to deposit checks online without having to leave the office.
BENEFITS OF REMOTE DEPOSIT CAPTURE
Convenient & Secure
Scan checks and make deposits securely featuring multi-factor authentication, multiple security levels and controls, and encryption. Easily consolidate deposits received at multiple locations into a single account.
Deposit Anytime
Deposit checks from your office at anytime – before and after traditional banking hours.
Save Time & Money
Saves you the time associated with making deposits, driving to the bank and standing in line -- it even helps you balance deposits.
Reduce or Eliminate Adjustments
Improve control and accuracy of your deposit. Deposit must be balanced before submission to Seacoast Commerce Bank for processing.
Digital Archive
Images are maintained and stored for easy access by your staff. No more photocopying checks received from customers. Deposit information is always available at your fingertips.
Lockbox Services
Seacoast Commerce Bank’s Lockbox Service is our standard collection service, which is designed to minimize mail delays, accelerate funds availability, and expedite the reporting of accounts receivable information. Our lockbox system helps reduce operating expenses and improve the availability and predictability of our customers’ cash flow.
Remittances are sorted and delivered to a processing team. Members of the processing team inspect all checks to verify proper payment and perform any special services required (i.e. verifying the dollar amount of the check matches the invoice). Checks are entered into an online automated workstation that generates a report of all incoming checks for each of your Seacoast Commerce Bank lockboxes. This report lists each check along with a reference number, transit routing number (optional), and check amount. Batch subtotals are also provided.
Zero Balance Accounts
Automate your companies accounting needs with a Zero Balance Account (ZBA). ZBA’s are designed to ease daily cash management functions by consolidating corporate checking account balances into one concentration account. ZBA’s allow you to have improved control over disbursements, collections and cash flow.
Call or email our Cash Management Representatives today for an appointment and we will move quickly on your request.
Telephone 619-476-7776
busloans@sccombank.com 
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