DEPOSIT & BUSINESS CONVENIENCE SERVICES
Save time, increase efficiency, reduce travel and keep your staff on-site with these convenient services.
Remote Deposit – ScanCheck
Deposit checks into your account from the convenience
of your office. Deposit paper checks electronically using
a scanning device at your desk. This option reduces your processing costs and saves you trips to the bank.
 Learn more about Remote Deposit Services
Night Depository
With many locations across the Denver metro area, you can
use the night drop services at any Citywide Banks location
to make deposits on your own schedule.
Tax Depository
Meet EFTPS requirements, avoid penalties and receive
immediate confirmation of federal and state tax payments
through this quick and convenient service available at
any Citywide location.
Cash Vault / Courier Services
Take advantage of the convenience and added security that
comes with using an armored car to pick up your deposits
and deliver change orders on a pre-arranged schedule.
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INFORMATION & ACCOUNT MANAGEMENT TOOLS
With the latest information at your fingertips, you can make informed & timely financial decisions.
Free Online Banking Access via OnlineOption™
Convenient and instant access to all your accounts –
24/7 at no cost to you! Log on, check deposits and pending debits/credits, print images of paid checks and make transfers between accounts from the convenience of your own desk. OnlineOption also offers download capability for QuickBooks®, Quicken®, Personal Finance and Microsoft® Money so you can manage your business finances with ease.
Combined Account Analysis
Save money by using our combined account analysis service. Designate a master account for calculation of earnings credit
to offset fees across multiple accounts.
Account Reconciliation
Simplify your account balancing process and reduce the time
you spend settling your accounts.
Positive Pay – Fraud Control
Monitor and authorize all checks presented for payment
online to help prevent fraud.
CD/ROM – Account Statements
Electronic files of your statements and checks can help reduce paperwork, information filing and retrieval time.
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OPTIMUM FUNDS MANAGEMENT
Preserve liquidity and maximize the earning potential of
your balances by having funds automatically transferred
into investment accounts or to pay off lines of credit.
Zero Balance Account /Target Balance Sweep
Combine balances across multiple accounts into one for
cash management purposes with automated distribution
to sub-accounts as needed.
Investment Sweep
Maximize your earnings on excess cash balances across
multiple accounts by using this service which automatically
sweeps money into and out of interest bearing accounts.*
Cash Concentration
Bring all your funds together from multiple locations and accounts
to manage balances and increase the earning power of your cash.
FDIC Insurance Above Standard Limits with CDARS Certificates of Deposit
Through the CDARS network we can provide your business
with multi-million dollar FDIC insurance on certificates of
deposit. You can enjoy the convenience of one rate, one regular statement and keeping your assets in one central location.
Learn more about CDARS, CDs, and Money-Market Accounts
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PAYMENT COLLECTION & DISBURSEMENT
Collect receivables faster, reduce staff time, and accelerate the movement of funds into and out of your accounts with these services utilizing electronic and remote resources.
Electronic Funds Transfer; ACH Direct Deposit and Direct Withdrawal
Through electronic transactions, ACH services enable you
to collect monthly payments more efficiently and disburse
payments to your vendors and employees quickly without
the cost of Checks and postage.
Free Online Bill Pay for Businesses
Save time and money! Eliminate the hassle of late payments, paper checks, envelopes, stamps and storage by using our convenient online bill pay service. You can make one time payments, or setup automatic reoccurring payments to any business or personal recipient across the U.S. Its easy to
setup and maintain.
Learn more about Online Bill Pay
Lockbox Services – Remote Payment Collection & Reporting
Lockbox services designed to save your business time and money by collecting your customer payments in one central location
for faster deposits. Monitor your lockbox activity remotely from your office PC.
Learn more about Online Lockbox Services
Online Wire Transfers
Initiate outgoing wires and view incoming wires via
Citywide Banks’ OnlineOption™ website.
International Wires – Online Initiation
Expedite payments and collections across the globe with
our online international wires service. Initiate and verify
international wires in foreign currency or U.S. dollars
from the convenience of your office computer.
Merchant Credit Card Processing
Offer your customers a choice of payment options that
includes personal credit and debit card acceptance.
Learn more about Merchant Services
Payroll Cards
Give your employees easy access to their pay via ATM
and point-of-sale purchase wherever Visa® is accepted.
This pre-loaded payroll card service can help reduce fraud, eliminate check cashing fees and provide an alternative
for employees with no checking account.
Controlled Disbursements
“Just-in-time-funding” allows you to manage your cash
more precisely. We provide you with daily funding totals
so you can allocate just the amount needed to cover
daily disbursements.
Business Debit Cards
Increase your business purchasing power and improve
expense management with a business debit card.
Online access allows you to review account transactions,
make payments, transfer balances, create reports and more.
Learn more about Business Debit Cards
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