David, Business Development officer, with our client Rhodeside

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 your manage your banking transactions.  David Glaser, NCB's Business Development Director is featured above.  Contact us (Opens in a new Window) (Opens in a new Window) today to learn more about our Treasury Management Services.  

Information Services 

Business Online Banking

Access all your banking transactions in a real-time, online environment
  • Initiate immediate transfers of funds between accounts
  • Initiate recurring or post-dated transfers
  • Electronic Statements available 
  • Administer user profiles for others in your organization. Set security levels and account access profiles
  • Utilize advanced treasury management services such as ACH origination, wire transfer services and Positive Pay
  • Secure log-in through RSA token
  • Pay bills online with our Bill Pay option

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 Online Banking 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 Online Banking
  • 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

 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 Worldpay, 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 Online Banking.  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
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.