Fatima with the Peters Family

Treasury Management Services

NCB's Treasury Management Services offer time-saving solutions that help maximize your financial returns so you can focus on what matters most — your business.  

Our services are designed to meet your needs and offer options for how you manage your banking transactions. 

Information Services 

"New" Business eBanking

Save time and bank online - on your terms.  Access your accounts anytime, anywhere - check your balances, pay bills, view transactions and so much more!
  • Access all your banking transactions in a real-time, online environment
  • Initiate immediate transfers of funds between accounts
  • Initiate recurring or post-dated transfers
  • Enroll in eStatements and receive your monthly account statements right in your inbox 
  • Administer user profiles for others in your organization, set security levels and account access 
  • Utilize advanced treasury management services such as ACH origination, wire transfer services and Positive Pay
  • Secure log-in through RSA tokens

Mobile Banking with Mobile Deposit 

Get the most out of your banking experience with NCB's new Business Mobile Banking
  • Secure access to your accounts using Apple Touch ID* 
  • View account balances and transaction history
  • Manage your wire transfers, ACH and Positive Pay activity from your mobile phone
  • Transfer funds between your NCB accounts
  • Deposit checks with Mobile Deposit
  • View monthly statements
  • Set up account alerts to notify you of transactions and balances
 Download the app that works best for you - use your phone or tablet

Positive Pay

A powerful fraud detection tool to help minimize losses and identify suspicious activity.  You determine which checks or ACH items get paid or returned using your NCB Business eBanking access.  The service allows you to view all items presented for payment to ensure that the correct account number, dollar amount, check number are valid and acceptable. Those not matching any of the criteria can be returned. Files can be transmitted in batch form or entered individually.  
Start enjoying the benefits of Positive Pay today.
  • Manage your accounts more efficiently through your NCB Business eBanking or right from your mobile device
  • Stop fraud before it happens 
  • Monitor the status of exception items (those not "matching" the criteria)
  • Enjoy the peace of mind knowing your check activity is protected

Deposit Services

Escrow Manager
Simplify accounting procedures and decrease paperwork associated with managing your clients' escrow funds.  This account allows the funds manager to deposit escrow funds into a single account, thereby eliminating the need to maintain separate accounts for each individual escrow deposit.  Funds are kept separate using a sub-accounting method, allowing each sub-account their own FDIC insurance and interest accruals.  For more information please Contact Us today for details.
Combines unlimited separate escrow deposits into one master account
  • The escrow manager relationship consists of a master account and a disbursement account 
  • Allows for maintenance of separate accounting records for each individual escrow deposit account (sub-account)
  • Provides online account access to view monthly activity and statements
  • Provides each sub-account owner an annual 1099 statement for IRS reporting
  • Each sub-account is FDIC insured
  • Relieves the administrative burden of opening, tracking and reporting on escrow accounts by automating activities
  • Increases efficiency by centralizing escrow funds in a single master account
  • Simplifies account opening, funds disbursement and the obtaining of sub-account information
  • Reduces time spent on administrative tasks such as 1099 statement preparation
  • The FDIC insurance coverage of each sub-account provides protection of the funds deposited
Automated Clearing House (ACH)
Get more flexibility for your business banking with ACH debit and credit processing. Improve your cash flow, reduce your billing costs and speed up your collections by initiating and tracking online.  

Remote Deposit Capture

This service allows you to deposit checks electronically into your NCB account without making extra trips to the bank. Enjoy longer banking hours, improved availability of funds, the convenience of archiving deposited checks up to 36 months and complete security using an encrypted site to transmit the files.  
  • The set up is easy – we pay for the scanner and there are no per item fees
  • Reduces errors by validating the deposit amount with the items
  • Easy account reconciliation
  • Complete control over the deposit process
Lockbox Services
NCB's Lockbox Services can help you shorten your receivables cycle and provide expedited access to your funds. Easy online access allows you to manage your accounts receivable data, ensuring  a proper cash position for efficient operations. You have the ability to process both standard and nonstandard payments, while viewing images of your lockbox items.  
 Get started today and enjoy the following benefits:
  • Maximized cash flow and simplified processing of receivables
  • The ability to process any form of payment that can typically be mailed and processed the same day
  • Consolidated summary statement of all activities for a particular day
  • Easily research customer inquiries on payments 

Merchant Card Processing

Accept payments however your customers want to pay.  With our merchant card processing your business will benefit from flexible options that meet your unique needs.
  • Powered by Heartland Payment Systems, merchant card processing to process your payments in-store, online or on the go.
  • Customized solutions to meet your businesses unique needs, whether your business is small-to-medium size, enterprise or digital for payment processing. 
  • Accept VISA, MasterCard, American Express or Discover signature or PIN-based transactions using EMV chip-enabled card readers and web-based shopping carts.
  • Hosted Payment Pages, Electronic Invoicing and Recurring Payments
  • Gift Card Programs
Disbursement Services

Automated Clearing House (ACH)

Get more flexibility for your business banking with ACH debit and credit processing. Improve your cash flow, reduce your billing costs and speed up your collections by initiating and tracking online.  

Wire Transfers

Our wire transfer service enables you to initiate domestic and international transfers in U.S. dollars or foreign currency. Business clients can efficiently and securely process wire transfers through NCB Business eBanking or from your mobile device.  Wires may also be initiated in person at one of our branch offices or via secure email.  Cut-off times for sending wire transfers are 4:00 p.m. for domestic and 2:00 p.m. for international. 

Zero Balance Accounts

For enhanced control and record keeping, NCB's zero balance accounts help with managing multiple disbursement accounts ensuring your excess cash is not sitting idle. This service improves your business cash flow and provides an inexpensive way to concentrate daily deposits. Automatic transfers between accounts eliminate the need to monitor balances and manually initiate transfers.
Cash Management Services

Certificate of Deposit Account Registry Service (CDARS®) and Insured Cash Sweep (ICS®)

 With CDARS and ICS, you can enjoy the peace of mind that comes with access to multi-million-dollar FDIC insurance and choose the service or combination of services that best meets your needs for returns and access to funds.  


When you place a large deposit with us, we place your funds into Certificates of Deposit (CDs) issued by other banks in the CDARS Network - in increments of less than the standard FDIC insurance maximum of $250,000, so both principal and interest are eligible for FDIC protection. 

Smart Investing Means - One Bank. One Rate. One Statement

  • Access multi-million dollar FDIC insurance on CD investments by working directly with just us - a bank you know and trust.
  • Choose from a variety of maturities ranging from 3 months to 3 years.  You select the term that best fits your investment needs. 
  • Earn one rate for each per service for funds placed into CDs or money market deposit accounts. Ask for details for specific CD terms. 
  • Receive one easy-to-read statement from our bank summarizing your investments.  


With Insured Cash Sweep (ICS), you can have it all when you place your funds into money market deposit accounts - all the same multi-million dollar FDIC insurance coverage like CDARS with flexible access your funds.   

A Sweep You Can Trust

  • Access multi-million dollar FDIC insurance on money market investments by working directly with just us - a bank you know and trust.
  • Earn returns and put your money to work for you
  • Access your funds up to six program withdrawals per month
  • Avoid the hassle of opening accounts at different banks in different insurable capacities
Business Credit Cards
Our Visa® Company Rewards Credit Card is a great fit for your business or organization. Take control of your business spending and enjoy these benefits:
  • No annual fee and rewards programs 
  • Employee cards at no added cost
  • Chip card security
  • Fraud monitoring and zero liability 
  • Learn more and apply today 
Repurchase Agreements
NCB's repurchase agreements are a convenient and efficient way to manage your company's cash flow. This service automatically sweeps your excess collected funds into an overnight repurchase agreement. Federal government securities are used to fully collateralize the transaction.   

Account Analysis

 Make your deposit balance work for you. With our Business Analysis Checking account, we provide a variable earnings credit rate on your collected balances, used to offset most service fees and activity charges associated with the transactions on your account.   

Get started today – Contact us for details on our Treasury Management Services 

Fees may apply to Treasury Management Services.  Please refer to our Business Banking Fee Schedule for details.
Business Credit Cards are offered in partnership with TCM Bank, N.A, a subsidiary of the Independent Community Bankers of America (ICBA), and are subject to credit approval.
Placement of funds through the ICS or CDARS service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. In the ICS savings option, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before ICS or CDARS settlement for a deposit or after ICS or CDARS settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of ICS or CDARS satisfies those restrictions. ICS, Insured Cash Sweep, and CDARS are registered service marks of Promontory Interfinancial Network, LLC.