Treasury Management
 

Explore Our Treasury Management Services

The financial aspects of running a successful business are varied and complex, but one thing they have in common is the need for a strong, enthusiastic business bank. Making JCB your partner is a sound business choice for you and your team.

Online Business Management

Business Online Banking

  • Access your balance and account activity from anywhere
  • View images of checks paid and deposits made
  • Sign up for electronic statements for convenient viewing online
  • Complete funds transfers between accounts
  • Pay vendors one-time or establish recurring payments using our business bill pay service
  • Download account activity for easy recordkeeping
  • Additional convenient add-ons available such as wire transfers and ACH Origination

Remote Deposit

  • All the benefits of Business Online Banking with added convenience, flexibility and cost savings
  • Reduce valuable time spent visiting the bank making deposits
  • Deposits may be made 24/7 without leaving your office

Funds Management

Investment Sweep

  • Our Repurchase Agreement Sweep product allows you to maximize the return on your deposits automatically each day.
  • Minimize manual time spent moving funds using automated investment sweeps.

Line of Credit Sweep*

  • Minimize your interest expense and reduce time spent manually moving funds with our automated Line of Credit Sweep.
  • Maximize use of your extra funds to automatically pay down the principal balance on your line of credit each day.

Zero Balance Accounts

  • Transferring money manually takes time and we know your time is valuable. A zero balance account automatically pools money each day to a holding (parent) account.
  • Easy access to pooled funds reduces the risk of overdraft caused by missing transfer deadlines.

*Subject to credit approval

Convenient Business Add-Ons

Wire Transfer
A quick and secure means of sending funds anywhere in the world.

  • Modest fees apply

ACH Origination

  • Convenient management of your payables
  • Establish routine payroll batches; our system retains the detail so you don't have to manually enter it each payroll period
  • Provides a faster payment alternative to check payments

Business Credit Cards
Afford the purchasing power and flexibility you need.

  • JCB offers competitive options and valuable perks such as mileage and rewards programs. Apply now.

Business Debit Cards

  • Take control of employee spending using our business debit card
  • Purchases are automatically deducted from your business checking account
  • View transaction details using business online banking

Night Depository
Allows flexibility to deliver deposits when your schedule permits.

  • Small annual fee includes one reusable night deposit bag and key issuance
  • Additional bags are available for a nominal fee
  • Deposits received are handled according to your instruction, among several options

ReSubmitIt
JCB's Re$ubmitIt program provides a service called Automatic Check Recovery (ACR). The ACR is a FREE benefit that will improve your cash flow and reduce the hassles of dealing with bad checks written to your business. You are able to convert an NSF paper check into an electronic, truncated item for submission to the check writer's account via the Automated Clearing House (ACH) network.

  • Recover 100% of the check's face value on collected checks
  • Improved Rate of Recovery: Higher collection success rate (70%-75%) versus 40%-45% (potentially doubling recovery rate)
  • No charge for this service
  • No equipment rental fees: No special equipment needed
  • Track items and download reports 24/7

Employee Services

Health Savings Accounts
Tax-exempt accounts wherein the owner accumulates funds to pay for qualified medical expenses.

  • Offering employees an insurance option that utilizes a Health Savings Account (HSA) may also benefit the employer
  • HSA's are dependent on a high deductible insurance policy, which may lower the premiums for both employer and employee plans
  • Contributions are generally made on a pre-tax basis which may lower gross payroll and reduce the amount of taxes that you, the employer must pay
  • You may choose to make contributions to your employee's HSA to provide an additional enhancement to their employee benefit package

Employer Retirement Plans
Our Trust Department has plans customized to your business needs. Learn more.

  • We will help you manage a variety of retirement plan options

Merchant Services

Regardless of your business, accepting credit cards is an easy way to boost sales, expand your customer base, and reduce risk while minimizing the burden of billing and collections. That’s why we’ve partnered with Basys Processing, a family owned and managed processing company, to bring you in-depth industry expertise and cutting-edge technology.

  • Tailored Payment Solutions
  • Online reporting
  • No automated phone system
  • PCI compliance team

Types of Processing:

  • POS Systems
  • Terminals
  • E-Commerce Processing
  • Petroleum Processing
  • Mobile Processing
  • Business to Business Processing
  • Restaurant Processing

Business Solutions & Resources

Explore these solutions related to JCB's Treasury Management services.

CONTACT ONE OF OUR BUSINESS BANKING PROFESSIONALS TO LEARN MORE.

Meet Your Business Banking Team

From loans to retirement plans, our Business Banking team has the experience you need. Contact our Business Banking department to explore our services. Select a photo for contact information.

VP Jim Gray

Jim D. Gray, Jr.

VP, Commercial Banker

jc bank 812-524-4462 812-528-2058

jc bank Email Jim

Jim D. Gray, Jr.
David Kromphardt

David Kromphardt

Vice President, Area Executive Commercial Banking

jc bank 812-373-3083

jc bank Email David

David Kromphardt
David Ellis

David Ellis

Assistant Vice President, Commercial Banking

jc bank 812-524-4422

jc bank Email David

David Ellis
Tim Risen

Tim Risen

Assistant Vice President, Commercial Banking

jc bank 812-528-3121

jc bank Email Tim

Tim Risen
Sharla Todd

Sharla Todd

Commercial Banker, Treasury Management Division

jc bank 812-524-4444

jc bank Email Sharla

Sharla Todd