Treasury Services

The primary goal of treasury management is to manage the cash and related financial assets of an organization as efficiently as possible to provide the financial flexibility needed to achieve the organization’s objectives in a manner consistent with the organization’s overall strategic plan.  Let our treasury services improve your cash flow, streamline payables, prevent fraud, and free you to do what you do best!

Collection Services

Remote Deposit Capture
Remote Deposit Capture brings Marine Bank to your office. You can capture images of the checks you receive and deposit them electronically from wherever you do business. It’s easy, it’s fast, and it’s safe.

ACH Services
Simplify and automate your collections by making electronic debits to your vendors and receiving them from customers. Direct debit via ACH is easy to set up and use, and the process is secure and cost effective. With direct debits, you will improve operational efficiencies.

Lock Boxing Services
Our commercial lock box services allow you to focus on what you do best while we collect and process your accounts receivables. With an easy to read daily summary of your daily deposit it makes outsourcing your AR painless!

Merchant Processing
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Disbursement Services

Checking and Savings Accounts
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ACH Services
Simplify and automate your disbursements by making electronic payments to your vendors. Direct payment via ACH is easy to set up and use, and the process is secure and cost effective. With direct payments, you will improve operational efficiencies while minimizing the risk of lost or fraudulent payment checks.

Wire Transfer
Using a wire transfer, your money can arrive safely at its destination the same day you send it.

Payroll Services
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Business Credit Cards
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Information Reporting

EDI Reporting
Electronic Data Interchange (EDI) is the most efficient way to receive electronic payments with related information attached. Marine Bank’s service receives payment orders to process transactions between accounts through the Automated Clearing House (ACH) network and interprets the attached remittance or purchase order information.

Account Reconciliation
Let Marine Banks automatic account reconciliation service mark off your cleared checks. When paired with our Positive Pay product, we will provide you with an updated list of your outstanding checks each month.

Digital Banking
With Digital Banking you can check your balance and account activity or search your statements and payment history whenever you like from your laptop, tablet or smartphone.

Fraud Prevention

Positive Pay
With positive pay, Marine Bank receives a list of checks you issue to compare to checks that are presented to us for payment from your account(s). You will receive a report of any mismatched items so that you can review them and decide whether or not they should be paid.

ACH Positive Pay
Electronic payment fraud costs American businesses billions of dollars every year. Marine Bank’s anti-fraud services protect your business by monitoring activity on your account and verifying that debits and credits have been authorized by you. Under federal regulations, you have only 24 hours to return fraudulent ACH transactions. We can make sure you meet that deadline and stop fraud in its tracks.

 

Ryan Augustine Cash Management Officer

Ryan Augustine

Ryan Augustine’s background in computer support combined with nearly a decade of front-line banking experience enables him to provide expert assistance for all of your business banking needs. From affordable merchant services to real-time online account views, Ryan is here to help your business run more efficiently. Call him anytime for a free consultation about how Marine Bank can provide financial solutions tailored to your business. raugustine@ibankmarine.com 217.726.0602

Online Banking

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