Our expertise and hands-on approach to systems design and customization results in end-to-end solutions that utilize the latest technology.

TREASURY PLUS +
Our On-Line information and funds management system allows you 24 hour access you to view account balances, current day presentments, as well as cash flow forecasting for up to 7-days. Our systems allow you to initiate internal, ACH and wire transfers.

Treasury Plus+ offers the state-of-the-art features you expect from a progressive commercial bank. Easy to use point-and-click interface, user-friendly screens and easy to read summary information. Extensive security and user controls to meet your operating requirements.

SWEEP ACCOUNT
Our Sweep account allows you to invest idle funds into overnight repurchase agreements, maximizing the return on your funds. Investments are immediately available to cover disbursements and daily reporting makes it easy to track investment activity.

(* Investments are not FDIC insured, not bank guaranteed and may lose value.)

AUTOMATED FUNDING/BORROWING
Automated Funding/Borrowing provides you with three easy-to-use options for minimizing borrowing costs, and maximizing investment returns.

Checking to Loan: Automatically transfers all collected funds in your commercial checking account to pay down revolving debt.

Lockbox: Combines our Wholesale Lockbox with our Checking to Loan option to accelerate cash collections, resulting in reduced borrowing expenses.

End-to-End: Combines the Checking to Loan and Wholesale Lockbox options with our Sweep Account. This service works by transferring collected funds to pay down revolving debt, and then invests the remaining balance in our overnight Sweep Account. As funds are needed to cover disbursements, we automatically transfer from the Sweep Account, with any remaining funds coming from the loan.

ACCOUNT RECONCILIATION
 

Account Reconciliation provides detailed reporting on checks paid and outstanding on your accounts.
 

• Reduce or eliminate the costs of reconciling your commercial accounts.
• Choose from partial reconcilement, which is a list of paid checks, or full reconcilement, which details checks paid and checks outstanding.
• TTAX Plus

This service provides a convenient and time saving way to make federal and state tax payments. TTAX is available via touch-tone phone or PC. TTAX provides you the ability to make any type of tax remittance with detailed activity reporting and audit trials to show timely payments.

ZBA (ZERO BALANCE ACCOUNT)
A ZBA account allows you to concentrate funds into a single account automatically and cover the exact amount of checks that are clearing.

WIRE TRANSFER
Wire Transfers provide a cost-effective way to transfer or receive funds for same-day settlement.
 

• Provides same-day payment finality, totally eliminating collection risk and collection float.
• Allows you to transfer funds worldwide.
• Offers secondary authorization by having an authorized employee, other than the originator, verify the transaction.

IMAGING X-PRESS
Imaging X-press provides an efficient way to manage, retrieve, and reproduce check images.
 

• Easy research, retrieval, and reproduction of paid items.
• Check images include front and back of each item.
• Reduces or eliminates check storage costs.
• Easy to use software that resides on CD-ROM, making the retrieval process portable to any computer running Windows ®.

ACH ORIGINATION
ACH X-press allows you to create electronic transactions to facilitate business payments and collections.

ACH Credits
 

• Direct Deposit of Employee Pay
• Payroll Withholding and Income/Excise Tax remittances - Credit Method
• Payment remittance to your vendors. (Bill Payment)

ACH Debits
 

• Charging consumers for recurring services (Utility Bills, Health Club Dues, Insurance Premiums).
• Payroll Withholding and Income/Excise Tax remittances - Debit Method.

Benefits:
 

• Improves your cash flow forecasting, allowing for faster cash inflows, and control of payment timing.
• Offers a benefit to your employees who wish to be paid electronically.
• Reduced banking costs compared to check deposits and check payments.
• Simplifies statement reconciliation.
• Automates recurring payments.
• Reduces internal operating costs of generating, endorsing, depositing, and mailing checks.

WHOLESALE LOCKBOX
This service helps you turn your business receivables into cash quicker than most internal collection and processing systems.

Benefits:
 

• Minimizes collection float by directing payments to a post office box near our processing center. By reducing the time it takes for funds to be collected, you benefit from more opportunities to invest idle funds, or by using these funds to reduce debt.
• Lockbox deposit information is available by fax or through our electronic balance and transaction reporting system.
• Detailed receivable information is available by fax or through our electronic balance and transaction reporting system.

RETAIL LOCKBOX
This service helps you turn your consumer receivables into cash, and assists in the updating of your accounts receivable records.

Benefits:
 

• Minimizes collection float by directing payments to a post office box near our processing center. By reducing the time it takes for funds to be collected, you benefit from more opportunities to invest idle funds, or by using these funds to reduce debt.
• Lockbox deposit information is available in a customized electronic format for direct posting to accounting and treasury management systems, by fax, or through our electronic balance and transaction reporting system.
• Detailed receivable information is available in a customized electronic format for direct posting to accounts receivable systems, by fax, or through our electronic balance and transaction reporting system.
• Lowers labor, training, and processing costs associated with internal processing of these low-dollar high-volume items.
• Uses state-of-the-art OCR recognition and imaging technology to maximize processing throughout and streamline document research.

MUNICIPAL CORPORATE SERVICES
Our corporate services department actively participates in bond bidding for any type of municipal obligation such as TANs, RANs, BANs, General Obligations and Permanent financing of bonds. We also can tailor any of our Corporate Services products to design an effective system to maximize cash resources on a cost-effective basis for the municipality.

NON-PROFIT BANKING SERVICES
The Non-Profit Group at Commerce Bank is dedicated to serving the unique needs of educational, human service, cultural, religious and other non-profit organizations. Our banking specialist provide access to a full range of credit services including lines of credit for working capital needs, real estate, facilities expansion and capital campaign financing. Commerce Bank's technology-based cash management solutions are tailored to your organizations specific needs. The Non-Profit High Yield Investment Accounts (Select Gold and Select Gold Plus) are designed as liquid overnight investments for non-profit entities only.

For more information on any of these services please feel free to contact one of our specialists at (508) 797-6800, or email us.