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Treasury Management Services

Cash Management Services

NCB recognizes that the convenient and efficient management of your company’s cash flow is key to a successful business. With network deposits and business credit card programs, our Cash Management Services are perfect complement to your treasury management.

High-Balance Savings Accounts with FDIC Insurance

IntraFi Network Deposits (formerly known as ICS© and CDARS© deposit products) is a smart, secure, and convenient way to safeguard large deposits placed into a money market or CD.  Access multi-million-dollar FDIC insurance and earn interest, all through a simple bank relationship with NCB.

Choose a money market account or CD, and:

  • Enjoy peace of mind. Funds placed through IntraFi Network Deposits are eligible for multi-million-dollar protection that’s backed by the full faith and credit of the U.S. government. And as bank deposits, they are not subject to floating net asset values, liquidity fees, or money market mutual fund liquidity gates, so you can rest assured knowing that market volatility will not negatively affect your principal.
  • Earn a smart return. Put your organization’s deposits to work earning returns that may compare favorably to Treasuries and government money market mutual funds.
  • Manage liquidity. Enjoy access to funds placed into demand and money market deposit accounts. With CD placements, select from multiple term options to meet your liquidity needs. 

Plus, enjoy the convenience of banking directly with us, a bank you already know and trust.

Business Credit Cards

Explore the rewards and benefits of our business credit card programs and find the right card to help grow and run your business . Powered by our partner, TCM Bank we offer cards for:

  • Nonprofit organizations – Manage your conference travel or other mission driven expenses
  • Small Businesses –  Keep your business spending separate from your personal finances.  
  • Corporations- Save time and money on your business purchases for you and your employees.
Apply Today

Account Analysis

Make your deposit balances work for you.

  • Account analysis allows for more efficient cash management and enables you to quickly evaluate the use of available funds.  
  • Our Commercial Checking account comes with Account Analysis that provides a detailed statement of your accounts and services while using a variable earnings credit on your collected balances to offset all or part of your monthly fees.  
  • Convenient access to your monthly analysis statements is available through our Business Online Banking.  

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.

FICO 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. Certain 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.

To access rewards, your account must be open and in good standing. No one can prevent all identity theft.

National Capital Bank, Member FDIC. Placement of funds through IntraFi Network Deposits is subject to the terms, conditions, and disclosures in the program agreements, including the Deposit Placement Agreement (“DPA”). Limits apply and customer eligibility criteria may apply. Program withdrawals may be limited to six per month for funds placed in MMDAs. 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 settlement for a deposit or after 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 IntraFi Network Deposits satisfies those restrictions. Network Deposits and the IntraFi hexagon are service marks, and IntraFi, the IntraFi logo, ICS, and CDARS are registered service marks, of IntraFi Network LLC.