Cash Management
Wilson & Muir Bank's Cash Management Services
Wilson & Muir Bank's Cash Management services provide your business with tools to manage your corporate cash efficiently and protect your financial accounts from fraud.
Cash Management Tools & Services
Our Cash Management offerings are listed in three categories. Click on a specific category for more information:
We offer a free, no obligation comparison of your current business solutions and pricing against our own offerings to ensure you are getting the most value from your current business accounts and services. Contact us to get started!
Tools to Collect Funds
Looking for ways to make collecting payments and making deposits easier for your business? Our Cash Management collection tools provide simple solutions to save your business valuable time and money.
Direct Debit uses the Automated Clearing House (ACH) system to collect payments electronically from your customer's bank account and automatically deposits the funds into your business account. You save time by eliminating the need to process paper checks.
Remote Deposit Capture deposits checks into your bank account through a check scanning machine that you have on site at your business. Simply run your customer's checks through the scanner and have the checks automatically deposited into your business checking account. No more running to the bank to make your deposits.
Learn More about Remote Deposit Capture
Card Processing allows your business to accept Visa, MasterCard, Discover or American Express debit, credit and gift cards.
Learn more about Card Processing
Tools to Disburse Funds
From paying your employees and vendors to cash liquidity, we offer solutions to maximize your cash flow and make your business more efficient.
Direct Deposit of payroll is the electronic transfer and deposit of employees' net pay to their bank account anywhere in the U.S. through the Automated Clearing House (ACH) system.
Learn more about Direct Deposit
Wire Transfers allows your business to send or receive money from anywhere in the world through an electronic transfer of funds. With SWIFT, incoming and outgoing international wires are delivered quickly and efficiently. SWIFT International Payment Network is one of the largest financial messaging systems in the world.
Learn more about Wire Transfers
Tools for Money Management & Security
Protect and efficiently manage your business assets with our tools for security and management. From online access to your bank accounts, to fraud detection and prevention, we offer solutions making business banking easy and secure.
Commercial Online Banking helps you monitor and manage your business accounts, view check images and transactions, transfer funds, make payments, create ACH transactions and more. Access rights to specific accounts and information are set up specifically per employee as determined by the account owner.
Learn more about Commercial Online Banking
Positive Pay helps you detect fraudulent checks that are presented on your business account. Only checks that match the issued check file, provided to the Bank by you, are automatically paid. All other checks presented for payment must receive authorization or be rejected by you.
ACH Blocks ensure your business account is not used for unauthorized ACH transactions. You will be able to block all ACH debits and/or credits from posting to your company accounts or set parameters that allow certain ACH debits and/or credits to post to your account, while at the same time excluding unauthorized debits and/or credits.
Sweep/ Target Balance Accounts help you manage your funds in the most efficient way possible, without having to manually request transfers. Funds are swept between designated accounts based on parameters you set. Sweeps can also be used to transfer money to and from a line of credit.