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 

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!
  • Utilize advanced Treasury Management Services such as ACH origination, wire transfer services and Positive Pay
  • Access more in-depth reporting options, including complete incoming wire activity
  • Administer user profiles for others in your organization, set security levels and account access 
  • Monitor account activity with detailed alerts
  • Enroll in eStatements and receive your monthly account statements right in your inbox 

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 
  • Approve your wire transfers, ACH and Positive Pay activity from your mobile phone
  • Deposit checks on the go with Mobile Deposit
  • Pay bills 
  • Set up alerts to monitor activity  
  • Phone and tablet optimized for both Apple and Android devices
 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.  Positive Pay and ACH Positive Pay monitors for unauthorized ACH transactions, as well as counterfeit , altered , stale-dated , and duplicate checks.  Positive Pay matches incoming checks against a file of outstanding items.  
Start enjoying the benefits of Positive Pay today.
  • Review and decision exception items daily through your desktop or mobile device  
  • Stop fraud the day it occurs  
  • Manage stale-dated checks written months or years ago 
  • Upload check data in  batches  or individually with corresponding levels of account access and authority 

Deposit 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.  

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 Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits. 
Three great options all from the bank you know best.
  • Rewards Platinum - unlimited reward points. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit (Opens in a new Window) for details.³
  • Cash Rewards Platinum - earn 1% cash back on all net purchases. Cash rewards never expire.³
  • Platinum Edition - no penalty APR and competitive rates.* 
Enjoy the following features with all of the above options:
  • Competitive Rates*
  • Mobile payments like Apple Pay® and Google Pay™ for a safe and secure way to pay
  • Free FICO® Score¹
  • Cell Phone Protection²
  • Fraud Monitoring and Zero Fraud Liability
  • SecurLOCK™ Email and Text Fraud Alerts
  •  ID Navigator Powered by NortonLifeLock4

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 Commercial 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.
*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
¹FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible. ²Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at or call 1-866-894-8569.
³In order to access rewards, your account must be open and in good standing.
4No one can prevent all identity theft.
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.