Home National Bank offers Cash Management services to make your
business finances more manageable. Selecting the right Cash Management
components can make more productive use of the two most critical
components of your business – your time and money.
If you have questions about Home National
Bank’s Cash Management
services, contact us, call us toll
free at 877.811.4663 or visit the branch
location nearest you. Arizona customers may also call
480.905.0055.
Home National Bank Online Banking Cash Management offers up-to-the-minute
account information via the Internet. With access to the Internet,
your account information is available 24 hours a day from your
PC.
Balance Reporting
- View Current, Available and Collected balances (current
and previous day) on all your accounts.
- View transaction histories.
- Up-to-the-minute information allows you to monitor and manage your
daily cash position.
- Download account information to spreadsheets for analysis.
Funds
Transfers
- Make transfers between Home National Bank accounts
to maximize your cash flow.
-
With “real-time” access, funds are transferred
immediately.
-
View your transfers as soon as they’re made with Balance
Reporting.
Apply Online for Online Banking Cash Management
If you have questions about Home National Bank’s
Information Reporting Services, contact
us,
call us toll free at 877.811.4663
or visit the branch location nearest you. Arizona customers may
also call 480.905.0055.
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With a Home National Bank Sweep Account, your excess cash works
for you. We’ll determine a minimum “target” balance
for your account. Funds in excess or your “target” are
invested or applied to your line of credit. Either way, you maximize
use of your money.
Investment Account
- Excess funds are placed overnight in a Repurchase
Agreement* at competitive interest rates.
- You receive daily balance confirmations.
- Your monthly account statement provides details of daily activity,
balance and interest rate summaries.
Line of Credit
- Funds are advanced automatically from your line of
credit, as needed.
- Reduces your cost of borrowing. Excess funds in your account are
applied to your line of credit, reducing the amount
of interest paid by you.
If you have questions about Home National Bank’s Sweep
Accounts, contact us,
call us toll free at 877.811.4663
or visit the branch location nearest you. Arizona customers may also call
480.905.0055.
*Repurchase Agreements are not deposits and therefore are not
federally insured by the U.S. Government, the FDIC, the
Federal Reserve Board,
or any other Government Agency. Home National Bank does
secure funds placed into Repurchase Agreements with securities of
the U.S. Government.
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A Zero Balance Account gives you the ability to consolidate
funds from special use accounts you may have (i.e.,
payroll, operating
or expense accounts) into a single primary account.
When
a deposit is made into a special use account, the exact amount
is automatically transferred at the end
of the day
into the primary
account. Likewise, as checks are presented for payment
against a special use account, the exact amount is automatically
transferred from the primary account. The balance of
the special use accounts
will always be zero.
-
All your company’s cash is consolidated into a single
account.
- Balances do not sit idle in special use accounts.
- Transfers are made automatically, eliminating the need to for manual
transfers.
- Use a Sweep Account to maximize earnings.
Apply Online for Online Banking Cash Management
If you have questions about Home National Bank’s
Zero Balance Accounts, contact us, call us
toll free at 877.811.4663 or visit
the branch location nearest you. Arizona customers
may also call 480.905.0055.
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With ACH (Automated Clearing House) payments from Home
National Bank, your company can save both time and
money. You’ll
enjoy the convenience and efficiency of processing
transactions electronically.
With Home National Bank
Online Banking Cash Management,
you may create ACH files for all types of payments
or collections. If
you already own software that creates files in ACH
format, you can
use Online Banking Cash Management to submit those
files to us for processing. We do the rest!
Direct
Deposit
Provide your employees with the benefit of receiving
their paychecks electronically. As an employer, you’ll enjoy
the convenience and efficiency. Your employees will enjoy the
security and on time
delivery.
- Direct Deposits may be directed to any bank your
employees choose.
- Saves your company time and money. Reduces the operating expenses
associated with manual check writing.
- Allows employees to use their workday for work. No lunchtime trips
to the bank to cash their paychecks.
- Once deposited, funds are available immediately for employee use
- no matter where they bank. No more waiting
for checks to clear.
-
Employees don’t have to make arrangements to pick up checks
when they’re out of the office or on
vacation.
- If payroll checks are mailed, eliminates the worry of having a
check lost or stolen.
Consumer Payments (Automatic
Deductions)
Collect payments from your customers by deducting
the amount due from their account, wherever they
bank.
- No more late payments from customers. Receive payments
on-time for goods or services rendered.
- Recurring payments are made quickly and easily.
-
No more worries about whether your customer’s check will
clear.
B2B (Business-to-Business) Payments
Use ACH for payment of your invoices to your
vendors and suppliers.
- Payments are made quickly and easily.
- Saves your company time and money. Reduces the operating expenses
associated with manual check writing.
Cash Concentration
or Disbursement
If you’ve got offices in other locations, utilizing multiple
banking relationships, you may use this feature to consolidate
funds from those accounts into your Home National Bank operating
account.
- Consolidate funds from other financial institutions.
- Transfer funds to other accounts.
Tax Payments
Make your required Federal tax payments (payroll withholdings,
quarterly estimates, etc.). If you’re not currently participating
in the EFTPS federal tax payment program, we can help you enroll.
There are many payment options available. For more information,
visit the EFTPS
web site.
Apply Online for Online Banking Cash Management
If
you have questions about how ACH Origination can benefit your
business, contact us, call
us toll free
at 877.811.4663
or visit
the branch location nearest you.
Arizona customers may also call 480.905.0055.
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Wire Transfers at Home National Bank are quick, efficient
and safe. You can originate a wire transfer simply by
picking up
the telephone
or logging
into
Online Banking
Cash Management.
- Wired funds receive immediate credit.
- We notify you of any incoming or outgoing wires.
-
Accurate beneficiary information means your payment goes only
where it’s
intended.
Wire funds on a regular basis? We can set up
your account with repetitive wire instructions. All you need
to provide
is a
special code and
the amount you’d
like to wire. We’ll confirm your wire request against
your repetitive wire instructions.
Apply Online for Online Banking
Cash Management
Positive Pay, a feature available for Home National Bank accounts, allows you to easily monitor and prevent potential fraudulent activity. With Positive Pay, we match your check issue information, submitted to us electronically, to the checks presented for payment and identify items that do not match. Images of Positive Pay exception items are then delivered to you via the Internet where an authorized representative instructs the bank to pay or return those items. Benefits of Positive Pay are:
- Reduce potential exposure related to check fraud
- Identify exceptions at time of representment, rather than during subsequent statement reconciliation
- Limits the reconciliation process to unmatched items only
For more information, please contact our Cash Management Department at
877.811.4663 or visit the branch location nearest you.
If you have questions about how ACH Origination
can benefit your business, contact
us,
call us toll free at 877.811.4663 or
visit the branch location nearest
you. Arizona customers may also call 480.905.0055.
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