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.
Solutions designed to provide deposit options, payment options, and information services.
Cash Management Services
Cash management services are designed to provide deposit options, payment options, and information services. Fidelity Bank’s cash management solutions include:
Deposit Options
Express Deposit Desktop
Express Deposit Mobile
Automated Clearing House (ACH)
Merchant Services
Lockbox Deposit
Online Banking
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
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.
Alerts for Business Online
Alerts for Business Mobile
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.
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.
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 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.
Hard Tokens
Soft Tokens
Other solutions for all your business banking needs
Solutions designed to help you easily safeguard your business’ funds in the bank.
Solutions designed to make business purchases while building your business’ credit profile.