Business Services

A Set of Business Services that Set You Free to do Business
Your business needs solutions that allow you to stay focused on what you do best - your business. We can provide you with effective tools to help you manage your daily cash position while reducing administrative costs and the time it takes to conduct banking transactions. Our business services relationship managers do this by working to understand your business and will custom tailor solutions to address your unique financial needs.

Information Reporting & Liquidity Management Products

Secure Access Manager
View your business account balances and transactions, check the status of an incoming wire or simply view images of your cleared checks. Secure Access Manager is your single point of control when it comes to monitoring your business accounts and managing your daily cash position. With Secure Access Manager, you can quickly and conveniently initiate funds transfers between accounts, make stop payments and even initiate ACH payments and wire transfers. With Secure Access Manager it's your access, your way!

Repo Sweep Account
Automatically invest excess balances overnight to earn interest on your operating cash. As transactions are presented for payment on your operating account, the exact amount will automatically transfer while the remaining balances stay invested throughout the day. Investment Products are not insured by FDIC or any other federal government agency, and they are not a deposit of the Bank, not guaranteed by the Bank or any Bank Affiliate.

Line of Credit Sweep
If your company uses a revolving line of credit, it is important to monitor your daily cash position to adequately fund disbursements and use excess balances to reduce outstanding draws. This solution can help you achieve both goals as funds automatically transfer between your operating account and credit line as needed each business day. Subject to credit approval.

Receivables Management

Deposit Capture
With your personal computer and a check scanner provided by Aliant, you can make check based deposits to your business checking account from the convenience of your office. By using Deposit Capture, your business can reduce trips to the bank, lower transportation costs and streamline your collections process.

Lockbox
Outsource your daily receivables processing to a trusted provider so your mail-based remittances are received and deposited more quickly each business day.  Images of checks and supporting documents are reported through our secure internet service for easy access of time-sensitive information.

ACH Debit
Our suite of Automated Clearing House (ACH) solutions helps you initiate and move funds in as little as one day. Submit drafts on your customers accounts or concentrate funds from other banks with the file pass-through feature or templates you create within Secure Access Manager, making ACH debit origination quick and easy.

Deposit Zero Balance Accounts (ZBA)
Enable separate locations or operating divisions within your company to make deposits into separate accounts while automatically concentrating funds into a single account at the end of the day.

Deposit Reconciliation
This solution can help you track individual deposits from multiple locations by using uniquely coded deposit tickets, making your month-end reconciliation process easier.

Merchant Services
Aliant offers point-of-sale (POS) products that can greatly enhance your receipts capabilities. We can provide payment processing solutions enabling you to accept virtually any type of payment, including credit cards, debit cards, and electronic checks.

Disbursement Management Products

Positive Pay
Positive Pay helps you minimize the potential for losses from check fraud. Daily reports provide you an opportunity to return any fraudulent item, reducing the chances of losses due to forged or altered checks.

Direct Deposit
Our electronic payroll solutions greatly reduce the time and expense required to prepare, distribute and reconcile payroll. By leveraging Secure Access Manager, your staff can quickly and conveniently initiate direct deposit payments which also eliminates the need for employees to go to the bank and deposit their physical check.

Wire Transfer
If your company is routinely sending wires to domestic or foreign entities, Aliant’s wire transfer service lets you quickly and easily initiate these payments using our secure online Secure Access Manager.

Disbursement Zero Balance Account
A Disbursement Zero Balance Account concentrates funds into a single account which in turn funds one or more sub accounts. As checks and other debits post against the sub accounts, Aliant automatically transfers the exact amount to cover these transactions. This solution eliminates the need for staff to initiate manual transfers while maintaining the bulk of your business' cash in as few accounts as possible.

Check Imaging Services
Research paid check items quickly and conveniently through Secure Access Manager or from a CD-ROM. Our CD-ROM solution will store thousands of check images in less space and provide faster retrieval of items from a secure location.

Controlled Disbursement Account (CDA)
Aliant’s CDA notifies you early each morning of the total amount of items presented for payment, allowing you to fund the account with only enough to cover these disbursements.  This lets you put the surplus cash to a more productive use.

Payroll Card
Aliant's payroll Card service enables you to initiate payroll electronically from Secure Access Manager while storing funds on a payroll card which your employees use to get their cash. The solution is fast, efficient and much less costly to those employees which are cashing their checks each payroll period.