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Phone: 1-844-266-2548
Email: support@cnob.com

Cash Management Product Suite

Our sophisticated cash management suite offers your business the capital management solutions it needs. 

Have questions? Our experts are available to discuss your needs and work with you to come up with custom solutions for your business.

Payables Management (Disbursements)
Sweep Accounts

Maximize investment income through an automated daily sweeping of funds into disbursement accounts as needed to cover presentments. 

Zero Balance Account (ZBA)

Easily control disbursement of funding multiple accounts from a single source

  • Allows you to maximize investment opportunities (increase interest income) by pooling funds
Positive Pay (Fraud Prevention)

Minimize check fraud by comparing checks listed for payment with those that are issued. Any items that do not match or appear to be fraudulent will be marked and referred to you to decide on whether the item should be paid or returned.

ACH Positve Pay 
  • View ACH exceptions and make decisions on whether to allow or return payment 

  • Set payment permissions and filters to better manage disbursements while maintaining sercurity  

Account Reconciliation

Choose from our full or partial account reconciliation options for reporting to effectively reconcile your bank accounts. 

  • Full Reconciliation –generate reports through online banking of outstanding checks
  • Partial Reconciliation – clients generate reports of paid checks by serial number order
ACH Origination
  • Originate ACH (Automated Clearing House) credits/payments within a file or individually through online banking  
Electronic Data Intercahnge (EDI)
  • Electronic Data Interchange (EDI) allows you to receive additional transaction & non-transaction (such as invoice figures, gross & net invoice amounts) based information & data
Treasury Direct (Online Wire Transfer Origination)

Clients initiate domestic and international (in US dollars) wire transfers within online banking

  • Allows you to customize user authorization levels (input vs. approval)
  • Templates may be created for recurring or repetitive wire transfers  


Receivables Management (Collection of Funds)
Remote Deposit Capture
  • Scan/deposit checks electronically 24/7. Checks deposited by 5:00pm on any business day are fully available the next business day
  • Our system produces a virtual deposit ticket along with images of front & back of each check deposited, as well summary deposit reports which can be printed and/or stored electronically
  • Reports available in CSV and PDF files formats and data is retrievable for up to 45 calendar days
Mobile Deposit Capture
  • Scan checks for deposit using any mobile device that can maintain the ConnectOne Mobile App
  • $50,000 limit for each check deposited, no daily limit on amount that can be deposited
  • 5:00pm cut-off for business day
  • Next day availability on all check deposits 

Take back your time with our Lockbox service! This service allows for the receipt and processing of payments for both check and electronic payments for clients who receive large volumes of payments such as property managers and medical practices. 

  • PO Box established to receive check payments
  • Credit card and e-check (ACH) payments made via custom website created just for you
ACH Origination

Initiate ACH debits (files or single transactions) such as monthly dues, premiums, rent payments or cash concentration transactions (client accounts at other banks) to collect funds.

Merchant Services

We provide business clients with the capability to accept credit and debit cards for the payment of goods sold or services rendered, whether cards are presented in person or online.

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit http://www.fdic.gov/index.html

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