Cash Management Solutions

Community Business Bank offers a variety of cash management solutions aimed at meeting the specific needs of small to medium-sized businesses, professionals and non-profit organizations.
 

eBusiness Manager - Online Cash Management

Access your business’ financial information any time of the day or night. Our connection has many security features and data encryption capabilities so you can be sure your critical financial information is safe.

  • Check current account information
  • Pay bills with Business Bill Pay
  • Make loan payments
  • Issue wire transfer requests
  • Place a stop payment
  • Transfer funds between accounts
  • Confirm a deposit or transfer
  • Reconcile your account online
  • Setup personal account notifications
  • Receive your monthly statements electronically

Business Bill Pay

Save time and money with Community Business Bank’s free Bill Pay service. It’s simple to use and even easier to sign up. Simply log into Online Banking and select Bill Payment from the top menu navigation, follow the instructions and begin scheduling payments immediately.

  • No charge
  • Easy to use
  • View your bills online
  • Pay all your bills easily from Online Banking
  • Schedule single, recurring, or future-dated payments
  • Make changes to scheduled payments before they are sent
  • Receive e-mail notifications that remind you of bill activity
  • Track your payment status and history
  • Customize reports to track budget spending

Business Bill Pay Demo

Business Remote Deposit

Depositing checks has never been easier! Save time and money by making deposits from the comfort of your office by moving checks seamlessly from your business to your account at Community Business Bank.

  • Simplify the check deposit process for your business
  • Reduce trips to the bank and get faster access to your money
  • Review account activity and access online reports – up to three (3) years deposit history
  • Submit deposits 24/7
  • Make deposits to multiple accounts
  • Download data to most accounts payable applications
  • Convenient, secure and easy to use
  • iMatch™ available – streamline the check posting process

ACH Origination

Community Business Bank’s ACH network is an efficient and reliable electronic funds transfer system that allows your company the ability to enhance accounts payable and receivable functions such as payroll direct deposit, recurring and business-to-business payments. Payments processing is managed through a secure web-based connection, so there is no special hardware or software to install.

Positive Pay

Positive Pay is a check and electronic fraud detection tool. Each business day checks that are presented for payment against your business account will be available for your  review using Community Business Bank’s Online Banking. A daily exception report provides you the opportunity to identify fraudulent checks. Positive Pay will allow you to build and save a custom template which can be viewed and edited. As history records are loaded, the Positive Pay module compares the transaction in the history file to the issued items and creates an exception for the items that do not match exactly.

Payroll Debit Cards

Offer your employees a quick, secure electronic payment option — even if they don’t have a checking account or bank relationship.

Working with Brink’s Global Payments, Community Business Bank has come up with an easy and affordable payroll solution for businesses that employ seasonal, temporary, banked or unbanked employees. It enables your company to reduce costs and gain operational efficiencies while providing a valuable benefit to your employees.  

This program features a completely paperless workflow with no implementation fees and no per card load fees.  Additionally, your employees will appreciate accessibility to their funds without fees and charges by using the Allpoint ATM network, as well as fee free signature POS transactions and POS cash-back.

To learn more about implementing Payroll Cards for your business contact our Cash Management Department at (916) 830-3590.

Lockbox

With Community Business Bank’s new Lockbox Solution you can say goodbye to hours spent processing and posting check payments.  Our Lockbox Solution is an ideal service for customers with a high volume of monthly check payments such as Property Management Companies, large Non-Profit Organizations, Medical Groups, and Insurance Agencies. 

Let our Lockbox Solution collect, process and deposit your check payments on your behalf – saving you and your staff time and money.  And, you can choose to have a file provided to you for uploading directly into your accounting system. 

Merchant Card Processing

Accepting credit and debit card payments provides your clients with added convenience and helps your business grow through increased sales. Traditional, electronic and virtual processing systems available. Complimentary review and analysis of your existing merchant program.

Business Credit Card Programs

Community Business Bank offers a variety of business Visa® credit card programs aimed at meeting the specific needs of your business.

  • Visa® Business Bonus Rewards Card – offers more rewards, not rules. You'll earn points on everyday purchases. Plus get a 25% BONUS on all points earned every month automatically.
  • Visa® Business Bonus Rewards PLUS Card – offers even MORE rewards with points on everyday purchases. Plus get a 50% BONUS on all points earned every month automatically.
  • Visa® Business Card – offers a low introductory rate and everyday convenience.
  • Visa® Signature Company Card – offers medium to large sized corporations with at least $350,000 of income annually looking to simplify expense management. 
  • Visa® CommUNITY Card – designed specifically for Non-profits and Municipalities seeking an easier way to manage cash flow and expenses.

Enjoy great cardmember benefits:

  • 0% APR on purchases and balance transfers for the first six to twelve months dependant on card (1)
  • No balance transfer fees for the first six months
  • No annual fee cards available (1)
  • Manage, track and analyze spending online with intelligent reporting tools
  • Visa’s Zero Liability policy protects cardmembers from unauthorized use (2)
  • 24-Hour Cardmember Service
  • Unlimited employee cards with the company name embossed on the card
  • Worldwide acceptance
  • Learn more about specific card details

(1) See application for rates, fees and other cost information.
(2) Certain conditions and exclusions apply. Details are provided to customer/members once they become a cardmember.
 

Certain restrictions and exclusions apply. Individual transactions are evaluated by card Issuers based on factors such as account history, credit record, payment resources, revolving balances, and prior cash advances.

Credit Card Services are provided through ELAN Financial Services as part of a joint marketing agreement between Community Business Bank and ELAN Financial Services.

 

Contractor Retention Escrow Accounts

Community Business Bank offers a full service Contractor Retention Escrow Solution for Contractors involved in public works projects.  Any General Contractor licensed to do business in California and who obtains a public works project is eligible. With an in-depth knowledge of the construction industry, we can help you expedite the escrow process while your retention dollars earn interest in a Money Market Account.

Instead of the public agency withholding your retention, Community Business Bank can act as Escrow Agent.  Simply provide us with the project details and we will manage the entire process from document preparation to final release and disbursement of funds.  

Benefits include:

  • Competitive interest rates
  • Interest is available to the Contractor as soon as it is earned
  • Subcontractors may be entitled to interest on their share of retention
  • Management of the entire process per the Agreement
  • Timely notification and reconcilement of retention deposits
  • Security of funds as demonstrated by Community Business Bank’s ongoing strength as a financial institution

For more information or to submit a new public works project please complete the online request form or call us today at (916) 830-3585.

 

Deposit Courier Service

Save time by letting a local service provider come to your business. Onsite deposit pick-up is available within certain geographical areas. We can arrange pick-ups at your location as often as your business needs, from an on-call basis to daily pick-ups. Some limitations and fees may apply. Refer to the Schedule of Fees for more information or contact us for details.

CDARS® & ICS (Public Entities and Non-Profits)

Through the Certificate of Deposit Registry Service (CDARS®), public entities and non-profit organizations can earn CD-level rates and receive up to $50 million in FDIC insurance protection --- and you get the added convenience of working with one bank, one interest rate, one regular statement and one year-end tax form.