FDIC Insured - Backed by the full faith and credit of the U.S. Government.
Personal Checking & Savings Accounts:
Services
Business Account Advantages
ACH Origination/Cash Management Services Online Banking portal
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​Easy to use templates for origination
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Import ACH files from Accounts Receivable/Payable software
Merchant Card Services
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Third party provider Banccard provides this service
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Provides businesses with the capability to accept debit and credit card payments
Payroll Cards
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Use bank provided debit cards to pay employees
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Cards can be loaded via ACH payroll software
Remote Deposit Capture Service
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Allows business customers the ability to deposit checks from their office
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Eliminates trips to the bank for deposits
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Next day availability on checks
Excess Balance Sweeps
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Allows customers to set a high balance target in one account, and when the balance exceeds that threshold it will then sweep over into a partner account
Overdraft Protection Sweep
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Allows customers to tie a parent account to other BOC accounts in order to provide funds in the event of an overdraft Customers can set how much they would like the transfer to cover; this can cover only overdraft items or can be set to achieve a targeted balance
Minimum Balance Sweep
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Allows customers to set a minimum balance target on their account to a parent account that would transfer funds back to the account when the balance falls below the target
Positive Pay
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Allows businesses to keep records of checks through the online banking system.
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Shows the business when their checks have cleared