Capital City Bank
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Cash Management


Cash Management

 

We have products that can help you run your business as smoothly as possible. You want services such as wire transfers. You want choices like our ACH options for direct deposit, direct debit, and federal tax payments. You want to be able to direct funds where you want them, when you want them. We’ll make it work. Capital City Bank makes managing your finances easy and convenient. Our online cash management suite incorporates many tools to help you simplify your finances so you can focus on your business.execonphone

DesktopDirect

 

A secure and convenient way to make deposits without going to the bank. Designed with small business owners and professionals in mind, DesktopDirect gives office personnel the tools to make bank deposits into a designated Capital City Bank account without leaving the office. DesktopDirect offers you many benefits, including:


  • Convenience
  • Extended deposit deadlines
  • Improved cash flow
  • Security

What you will need:


  • Personal computer
  • DesktopDirect software
  • Scanner
  • High-speed Internet connection

Positive Pay Advantage

 

Capital City Bank's Positive Pay Advantage will help protect your business against losses due to check and ACH fraud by providing effective and reliable tools that can alert your business to potential fraud situations.

Utilizing a Positive Pay Advantage service can benefit your business by:

  • Reducing Fraud
  • Reducing Errors
  • Faster Reconciliation

Positive Pay Advantage Services


Check Positive Pay - Your business submits a list of check details (check number, dollar amount, and if payee service is selected, the payee name) to the bank through Business Online Banking each time checks are issued. When items are presented for payment, Capital City Bank will only pay the checks that positively match the submitted list. Checks that are inconsistent with the data provided are rejected.

ACH Positive Pay - Within Capital City Bank's Business Online Banking, your business will set up companies that are authorized to debit your business account. The system will then "block" unauthorized transactions. Specific dollar limits may also be established on authorized transactions.


Wire Transfers

 

Our online wire service allows you to have complete control over your domestic wire needs.


  • Set up and transmit domestic wire transfers until 3:00 pm (CT) with our easy-to-use online process.
  • Set up and store wire instructions on our system with our recurring wire option.
  • Establish a wire limit for your business and establish different wire limits for each user, if needed.

 

ACH Options

 

The ACH network is used to transmit funds electronically between financial institutions.  Our cash management ACH options allow your business to utilize applications such as:

 

  • Direct deposit
  • Direct debit
  • Federal tax payments
  • Online Bill Pay

 

Check Imaging

 

Receive your check images with your monthly statement or receive the images of your checks on a CD-ROM.  Images on CD may be accessed and printed from your computer.
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