Deposit & Cash Management Services

Solutions designed to support and propel your business success

Solutions designed to help you easily safeguard your business’ funds in the bank.

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Solutions designed to provide deposit options, payment options, and information services.

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Solutions designed to make business purchases while building your business’ credit profile.

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Cash Management Services

Cash management services are designed to provide deposit options, payment options, and information services. Fidelity Bank’s cash management solutions include:

Online Banking

Business Online Banking

Business Mobile Banking

Account Alerts

Deposit Options

Express Deposit Desktop

Express Deposit Mobile

Automated Clearing House (ACH)

Merchant Services

Lockbox Deposit

Payment Options

Automated Clearing House (ACH)

Wire Origination

Business Bill Pay

Risk Mitigation

Positive Pay / ACH Filter

Security Tokens

Dual Approval

Online Banking

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Business Online Banking

The Business online banking service provides access to view all activity, including the ability to check balances, make transfers, initiate wire transfers, ACH origination or stop payments, make loan payments or advances, and see check images.

Additionally, Fidelity Bank's online banking offers the following cash management services as part of our Online Banking service.

  • Access to check balances
  • Ability to make loan payments and advances
  • Initiate stop payments, wire transfers, and ACH transactions

Business Mobile Banking

Mobile business banking service provides access to make financial transactions on a mobile device (e.g., cell phone or tablet). The advantages to mobile banking include the ability to bank anywhere and at any time.

  • Access to check balances
  • Ability to make loan payments and advances
  • Initiate stop payments, wire transfers, and ACH transactions

Man using mobile device while traveling

AccountAlert

Account Alerts

Account alerts allow customers to manage money and stay informed about account activity through online banking. Account alert settings can be set based on business needs and communication preferences, with alerts varying from notification transaction posting alterations to deposits-made alerts. Alerts can notify you of account changes via email or text message. Text message and data rates may apply.

  • Easy to sign up when enrolled in online banking.
  • Option to select which alters you want on each account and where you want them sent.
  • Set-up via ‘Account Services’ and then ‘Account Alerts’.

Deposit Options

Express Deposit Desktop

Deposit checks to your Fidelity Bank account without driving to the bank. Creating the deposit is quick and easy using a desktop electronic scanner sized to meet your needs.

  • Scan checks and transmit deposits in minutes.
  • Choose from various scanner sizes depending on your check volume.
  • 24/7 access to useful online reports and actual check images.
ExpressDeposit
ExpressDepositMobile

Express Deposit Mobile

Mobile Express Deposit allows you to deposit checks wherever you are. Capture one or multiple checks in a single deposit using your smartphone.

  • Provides fast & easy banking through the mobile app.
  • Take a picture of the front and back of an endorsed check and make deposits in seconds.
  • 24/7 account access.

Automated Clearing House (ACH)

Automated Clearing House (ACH) transactions are a cost-effective way to receive payments.

  • Easy set-up and process to save time and money.
  • Establish one-time or recurring transactions from vendors or other debtors.

MerchantServices

Merchant Services

Merchant services is a solution that allows your business to accept credit card or bank debit card payments securely using online portals or point of sales systems. Businesses can increase sales by offering customers the opportunity to pay for products and services with a credit card.

  • Accept credit card sales for automatic deposit into your account.
  • Access to on-site terminals and online acceptance
  • Set-up is required before you begin to accept or deposit MasterCard®or Visa® sales.

Lockbox Deposit

Eliminate manual processes and expedite the deposit of your accounts receivables by using our lockbox service. Fidelity Bank will receive your deposits directly and deposit them to your account same day. The lockbox service notifies clients when deposits are ready to be viewed.

  • Provides the fastest and most convenient method to process your accounts receivable payments.
  • Customers’ payments are mailed to the bank’s P.O. Box.
  • Payments processed to your account the same day they are received.

Payment Options

Automated Clearing House (ACH)

ACH is a powerful service for processing and managing payments.  Whether a single payment or batch of payments, you can make your vendor and payroll payments electronically  with a cost-effective online solution.

  • Easy set-up and process to save time and money.
  • Establish recurring payments such as payroll, vendors, dividends, 401k contributions, and more.
  • Mitigate potential check fraud by managing payments via ACH in place of checks.

Wire Transfers

Wire transfers are electronic funds transfers that provide immediate and final credit to your beneficiary.

  • Electronic movement of funds from one financial institution to another.
  • Provides for immediate availability of funds
  • Fidelity offers domestic wire transfers and international wire transfers in both US Dollars and foreign currently
  • Fidelity Bank offers several security procedures to minimize risk of fraud

Business Bill Pay

Schedule and originate one time or recurring vendor payments through our bill pay module accessed through business online banking.

  • Pay any person or company in the United States.
  • Access to schedule repeating payments, such as lease payments.
  • Ability to schedule single payments up to one year in advance.

Risk Mitigation Options

Positive Pay & ACH Filter

Positive Pay & ACH Filter services identify and mitigate the payment of potentially fraudulent or unauthorized checks and ACH transactions by matching transactions presented to your account against transactions you have authorized.

  • Reduce the risk of potential check and ACH fraud
  • Positive pay is a best practice

Security Token Fob

Security Tokens

A security token (sometimes called a multi-factor authentication token) is an additional layer of protection for payment origination. The security token generates a one-time code to verify the user originating ACH files or initiating wire transfers.

  • Provides added account protection.
  • Unique, one-time use access code per login.
  • Uses secure socket layer (SSL) data encryption.

Dual Approval

A security token (sometimes called a multi-factor authentication token) is an additional layer of protection for payment origination. The security token generates a one-time code to verify the user originating ACH files or initiating wire transfers.

  • Provides added account protection.
  • Unique, one-time use access code per login.
  • Uses secure socket layer (SSL) data encryption.
DualApprove

Other solutions for all your business banking needs

Solutions designed to help you easily safeguard your business’ funds in the bank.

Learn More

Solutions designed to make business purchases while building your business’ credit profile.

Learn More

What's Your Next?

 

To learn more about how we can help you please send us an email at businessbanking@fidelitybankmn.com or give us a call at (952) 831-6600.