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Effortless Business Banking
Payment Solutions
ACH
ACH (Automated Clearing House) services offer a convenient and reliable way to process electronic payments for your business. Whether you’re handling payroll, vendor payments, or customer billing, ACH streamlines your financial transactions with enhanced efficiency and security.
Benefits
- Cost Savings: Reduce expenses by eliminating paper checks and the associated processing fees.
- Automation and Efficiency: Automate recurring transactions like payroll and billing, freeing up valuable time for your team.
- Enhanced Cash Flow Management: Schedule payments in advance to ensure timely and predictable cash flow.
- Increased Security: Minimize the risks of lost or stolen checks with secure electronic transfers.
Features
- Batch Processing: Handle multiple transactions at once, streamlining your payment processes.
- Customizable Permissions: Delegate ACH processing and approval to trusted individuals while maintaining oversight.
- Detailed Reporting: Access comprehensive reports for greater visibility into all ACH transactions.
- Direct Deposit Capabilities: Provide convenient and timely payments to employees through direct deposits.
Online Wire
Online Wire Transfer services offer a secure and efficient way to move money quickly domestically and internationally. Wire transfers are the fastest option for sending and receiving funds when timing is critical.
Benefits
- Speed and Reliability: Enjoy same-day processing for most domestic wire transfers, with reliable timelines for international payments.
- High-Level Security: Leverage encrypted systems and multi-layer authentication to protect sensitive transactions.
- Global Reach: Send and receive wire transfers across borders with ease and confidence.
- Controlled Access: Assign approval and authorization roles within your organization for secure delegation of wire transfers.
Features
- Real-Time Processing: Confirm wire transfers in real-time, giving instant feedback on each transaction’s status.
- Flexible Currency Options: Conduct international wire transfers in various currencies to accommodate global business needs.
- Comprehensive Audit Trails: Access detailed records and audit trails for each wire transaction, ensuring transparency and compliance.
- Advanced Security Controls: Implement dual approvals and authentication measures for added protection of high-value transfers.
Merchant Services
- Increase Product Revenue: Expand payment options to reach more customers and drive higher sales.
- Lower Costs: Take advantage of the cash discount program to eliminate transaction fees.
- No Long-Term Commitment: Enjoy the freedom of no contracts and no early termination fees.
- Versatile Payment Options: Accept payments through card terminals, mobile devices, and web-based systems for seamless transactions.
- Cash Discount Program: Offset transaction fees with a program designed to help you keep more of your revenue.
- Comprehensive Point-of-Sale Solutions: Equip your business with reliable and scalable POS systems tailored to your needs.
- 24/7 Superior Support: Access dedicated service and support anytime to keep your business running smoothly.
Business Cards
- No interest on purchases
- Up to 10 cards for your business
- Itemized monthly statements
- Access cash at CNB ATMs 24/7
- Save on paper checks
Visa Services for Your Business
Maximize Savings for Your Business
Visa SavingsEdge Program
Visa's SavingsEdge Program offers businesses an easy way to save money on everyday expenses by providing automatic discounts and rebates when using eligible Visa business debit or credit cards
- Automatic Discounts: Enjoy automatic savings on purchases at participating merchants without needing coupons or special codes.
- Broad Range of Partners: Access exclusive discounts on travel, office supplies, technology, dining, and more through Visa’s extensive partner network.
- Cash Flow Improvement: Reduce costs on frequent expenses, helping your business save money and reinvest in growth.
- Effortless Enrollment: Enroll your eligible Visa business card, and savings are automatically applied whenever you make qualifying purchases.
Real-Time Monitoring for Business Security
Visa Purchase Alerts
Visa's Purchase Alerts provide businesses with an added layer of security by sending real-time notifications whenever transactions are made with their Visa business cards. This proactive approach helps companies stay informed and control their spending.
- Enhanced Security: Receive instant alerts for every transaction, helping to identify unauthorized or suspicious activity quickly.
- Improved Expense Tracking: Monitor business expenses in real-time, giving you immediate visibility into all card purchases.
- Customizable Alerts: Set up alerts based on transaction amount, location, or merchant type to focus on what matters most to your business.
- Fraud Prevention: Deter potential misuse of business cards by staying informed of all purchases as they occur.
Enhanced Security for Online Transactions
Verified by Visa
Verified by Visa provides additional protection for businesses conducting online transactions. It helps prevent unauthorized purchases and builds customer trust by requiring identity verification for certain transactions. This reduces the risk of fraud and enhances the security of online payments.
- Increased Security: Adds an extra step of identity verification to safeguard against fraudulent online transactions.
- Customer Confidence: Boosts customer trust by ensuring their payments are protected with an industry-leading security measure.
- Reduced Fraud Liability: Helps to minimize the financial impact of chargebacks and fraudulent transactions, protecting your bottom line.
- Seamless Integration: It works with existing Visa cards and seamlessly integrates with your e-commerce platform for a frictionless customer experience.
Peace of Mind for Business Transactions
Visa Zero Liability Policy
Visa's Zero Liability Policy protects businesses from unauthorized transactions made with their Visa cards. This policy offers companies peace of mind by removing the financial responsibility for fraudulent charges, allowing them to focus on their operations confidently.
- Fraud Protection: Safeguard your business against unauthorized transactions and fraudulent charges without bearing the financial loss.
- Enhanced Confidence: Conduct transactions confidently, knowing that Visa’s comprehensive security measures protect your business.
- Quick Resolution: Enjoy promptly and efficiently handling disputes to resolve issues and restore your accounts quickly.
- No Additional Cost: This policy automatically benefits you when you use an eligible Visa business card, with no extra fees or enrollment required.