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Treasury Management Services

Deposit Services

Less paperwork, lower costs, more convenience — our dedication to providing the best solutions for our business customers make our deposit services an integral part of your treasury management.

ACH Payments for Businesses

These electronic transactions offer lower costs, help streamline operations, provide greater flexibility and convenience for managing your businesses payments. 

  • They are more secure, faster than a check and cheaper than a credit card.  
  • And in today’s digital world, ACH payments are a vital service for businesses of all sizes.  

Contact us today to learn how your business can benefit from ACH payments.

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 setup is easy – we’ll send you the check scanner.  Once you are up and running you will be able to make multiple deposits from your home or office. Applicable fees may apply.
  • Reduces errors by validating the deposit amount with the items
  • Easy account reconciliation
  • Complete control over the deposit process

Mobile Banking with Mobile Deposit 

Get the most out of your banking experience with NCB's 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 NCB Mobile App Today

Download the NCB App on the App StoreGet the NCB App on Google Play

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

Bring out the best in your business – from Point of Sale to Payments and Payroll, our merchant processing partner Hartland can help your business grow. 

Point of Sale

Choose the smarter point of sale and set your business up for long-term success.  Pair cloud-based point of sale software with a variety of hardware to get exactly what you need.

Payments

Accept all ways customers want to pay.  Make the sale in-store or online, take credit cards, EMV chips cards, gift cards, mobile wallet and more.  Heartland payment processing is fast, secure and reliable with fair, transparent rates. 

Payroll

Take the payroll and HR tasks off your plate.  Simplify your employee management duties with an HR and payroll solution you can trust.  From recruitment to retirement, Hartland offers valuable resources with confidence.

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.

Fees may apply to Treasury Management Services.  Please refer to our Business Banking Fee Schedule for details.

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.