Treasury Management

Treasury Management

Business Online Banking

• Bill Payment
• Dual control capabilities
• Approve wires, ACH and transfers
• Customize employee access and functionality
• Manage your accounts with powerful banking tools
• Set alerts for fraud control and account management
• Link external accounts you have at other financial institutions

Our online banking system gives you complete real-time control over all your Santa Cruz County Bank accounts. Manage your money safely, at any time with access to transfer funds, view balances and transactions, view cleared checks, view electronic statements, pay your bills, send wires, make ACH payments, stop payments, and more.

Set up Alerts for your business, for greater peace of mind. With real-time alerts you can keep even better track of your money, and spend less time doing it. When you log in you'll immediately see if there are any unread alerts in your secure inbox.

Not yet enrolled? Sign up now by contacting TreasuryManagement@sccountybank.com. If you have already signed up, log in here or log in to the Santa Cruz County Bank Mobile Banking app. To learn about Online Banking Treasury Management and all it has to offer, click here.

Online Security – Two-factor Authentification

• Tokens
• Secure login
• Secure payment processing

Software tokens, or soft tokens, take the same security technology offered in hard tokens and make it available through an app on your mobile phone. Tokens offer a high level of security through one of the strongest forms of two-factor authentication available. Tokens are used in two ways, (1) they can be used to authenticate users during login and (2) they can be used to authenticate transactions. Administrators have complete control over how tokens are assigned and how they're used, they can choose which employees are required to use them, and select the types of activities that will require tokens.

Positive Pay – Check and ACH Fraud Protection

• ACH Positive Pay
• Payee Positive Pay
• Reverse Positive Pay

ACH Positive Pay provides peace of mind for your business and is a simple but powerful way to stop the most common types of check fraud. When you issue a batch of checks through your accounting program, each check has a certain profile: the date, the amount, the payee, and the account on which the check is drawn. Those records are exported from your accounting program, and imported into the ACH Positive Pay system. As those checks are deposited, and reach us for posting, we compare the details of the check to the details you provided when the check was issued. If differences or
discrepancies are found, the check is flagged, and placed in the ACH Positive Pay "Exception" list for you to review. You can then determine whether the check should be paid or rejected. Learn More.

Business Mobile App

Bank Anywhere, Anytime, and on the Go

• Card controls
• Deposit checks
• Make payments
• 24 / 7 account access
• Transfer between accounts
• Approve transfers, ACH and wires

Your business doesn't stop just because you're not there, and sometimes important financial decisions can't wait until you return. Business Mobile Banking places the power of financial management in your hands, wherever and whenever you choose. Whether it's approving a transfer, paying a bill or depositing checks, Business Mobile Banking allows you to manage your business finances anywhere your business takes you. Learn more.

FAST TRACK! Remote Deposit

Same Day Processing

• Improve funds availability
• Easy reporting and integration
• Save time by eliminating trips to the bank
• 24 / 7 deposits, with online check images and deposit reports

Fast Track! Remote Electronic Deposit is your ticket to time savings. Fast Track! allows your business to make deposits to Santa Cruz County Bank without leaving the office – you can scan, process, deposit and electronically transmit checks straight into your Santa Cruz County Bank account. Fast Track! is a great business tool – it's easy to use, it saves hours of time, and it increases productivity and efficiency. Learn more.

ACH Manager

Create and Manage ACH Payments

• Easy payroll processing
• Same day ACH available
• Dual entry and approval
• Make payments faster, easier and more secure
• Collection on receivables is faster, easier and more secure

ACH Manager allows you to easily manage your finances. Explore how effortless it is to create new batches, make ACH payments & transfers, review recent activity, add & edit templates, and manage employee access. With ACH Manager you can download activity reports, as well as quickly view yourrecent ACH batch transactions. Learn More.

Wires

Secure Wire Transfers

• Dual control capabilities
• Create wire templates for recurring transactions
• Domestic, international, and foreign currency wires

Wire Manager is a powerful financial tool that puts you in the driver's seat to safely send, manage and track your wires with the click of a mouse. Wire Manager contains robust dual-control, limit and notification options and wire approvals on-the-go using the Business Mobile app. Learn More.

Lockbox

Deposit Processing Services

• Accept encoded coupons and individual payments
• Automate deposit processing to improve cash flow
• Integrate data directly into accounts receivable systems

On-Site Cash Vault

Securely Store Cash

• Full array of automated reporting
• Cash pickup, optional cash dispensing
• Eliminates trips to the bank, maximizing safety and security
  

Courier Services

Courier and Armored Transport Services

• Full array of automated reporting
• Cash pickup, optional cash dispensing
• Customize pick up times to fit your needs
• Eliminates trips to the bank, maximizing safety and security
  

Merchant Services

One-Stop Solution to Banking and Payment Processing

• Gift cards
• Built-in fraud monitoring and control
• Accept payments online or in-person

Santa Cruz County Bank offers businesses like yours a host of advantages. We offer the industry's leading merchant processing solutions in partnership with Elavon. By combining our banking expertise with Elavon's premier payment processing network, you can enjoy a one-stop solution for all of your banking and payment processing needs. Choosing the right payments partner can be critical to your bottom line and Elavon clearly delivers the most powerful platform in the industry. If you have a payment processing need, we have the solution. Learn more.

Credit Cards

• Contactless payments
• Control and manage corporate cardholders
• Corporate, Corporate Purchasing and Corporate Rewards*
• Spend alerts, electronic billing statements, expense reporting, spending limits, payment options,
  and more

Contact Us: treasurymanagement@sccountybank.com