Improve your company's funds availability, cash forecasting and audit control by placing money where it can be best used for investing or debt reduction.

DepositPartner™

• Make electronic payments right from your location - a convenience designed to streamline your deposit management process. DepositPartner™ provides you with the technology to image-capture checks and send them securely over the web.

View the Online DepositPartner™ demo

ACH Collection

• Know exactly what payments will post daily. ACH (Automated Clearing House) Collection is an efficient, cost-effective way to collect receivables and is ideal for recurring payments like dues, lease/loan payments, charitable contributions, etc.

Deposit Reconciliation

• Centralize all of your deposits to one account for greater control and efficiency while still being able to track sales by location. Deposit Reconciliation allows you to monitor deposit and paid-check activity at all of your locations through one account.

Deposit Reporting

• A convenient way to move idle funds from remote locations/lockboxes to your Johnson Bank concentration account to improve daily cash flow, Deposit Reporting also offers phone and online transfer capabilities.

Lockbox Service

• Lockbox service takes the work out of processing receivables and accelerates cash flow. Your customers mail their payments to a P.O. box, we then retrieve, process and deposit them for you same-day.

Grow interest income and reduce expenses by automating your overnight investments and short-term borrowings using automated sweep accounts.

Automated Investment Sweep

• This type of Sweep account maximizes your funds by investing excess cash. It moves funds automatically between centralized operating and interest-bearing investment accounts daily.

Automated Commercial Sweep

• Our Commercial Sweep maximizes your funds by investing excess cash into an interest-bearing checking account overnight.

Automated Line of Credit Sweep

• Pay down debt more quickly and efficiently with a Line of Credit Sweep. It moves funds automatically between a centralized operating account and your Line of Credit to reduce interest expense and cover disbursements.

Reduce your risk as well as the costs associated with disbursing funds to vendors, employees and investors using tools such as ACH payments and wire transfers.

ACH Disbursements

• ACH (Automated Clearing House) Disbursements quickly and conveniently send payments electronically. They're ideal for payroll, dividends, interest, expense reimbursement, insurance claims and vendor expenses.

Controlled Disbursements

• With this option there are no more guessing games when it comes to disbursements. Same-day clearing totals allow you to make informed investment or borrowing decisions sooner.

Payroll Direct Deposit

• Save time and money by adopting this popular employee benefit. Direct deposit allows you to deposit your employees' pay directly into their accounts via the ACH (Automated Clearing House) network.

Zero Balance Accounts

• Eliminate the need for manual transfers and concentrate funds in your main account for investing and debt reduction with Zero Balance accounts. They automatically move funds between centralized operating and disbursement accounts to fund expenses such as payroll.

Improve your company's efficiency in cash management and information reporting while enjoying quick access to updated account information.

Online Cash Management

• Improve cash management by tracking and managing your balances and transactions anytime, anywhere. Business Gateway^TM gives you instant account access 24/7 (includes sweep, wires and electronic transactions).

Account Analysis

• This detailed monthly statement not only provides activity information, but also breaks down average balances, services used and fees to help you make informed decisions about your deposit accounts.

Account Reconciliation Services

• Designed to minimize the time and effort your monthly account reconciliation process takes, our Account Reconciliation Services increase accuracy, reduce paperwork and provide detailed monitoring/reconciling of checking accounts.

CD-ROM Check Imaging

• Stop using up valuable megabits or file space by storing check images. We'll compile paid and cancelled checks on a disk for you with easy-to-search features. Available monthly or annually.

EDI (Electronic Data Interchange) Reporting

• Accelerate payments between buyers, sellers and financials with this fast electronic option for delivering payment and remittance detail.

To safeguard you against check and ACH (Automated Clearing House) fraud, we're committed to constantly enhancing our fraud prevention knowledge, services and products.

Multi-Layered Security

• Our comprehensive, multi-layered security strategy addresses risks and vulnerabilities at each access point to keep your data safe.

Positive Pay

• Positive Pay provides complete "pay" or "no pay" control of exception items by comparing check issue information against checks posting to your account.

ACH Debit Filter

• Our ACH (Automated Clearing House) Debit Filter provides complete "pay" or "no pay" control of exception items by comparing authorized debitor information against ACH debits posting to your account.

ACH (Automated Clearing House) Blocking

• ACH transactions are automatically blocked from posting to the customer's account using this tool. It offers an inexpensive solution to managing unauthorized electronic activity.