commercial

Treasury Management

Online Banking

Bank from home office, work, wherever you can get online. Banking Online lets you:

  • Immediately access your company’s banking information.
  • Effectively manage and automate your daily cash flow
  • Customize your options and leverage 100 percent of your excess funds to invest, minimize interest, or pay down debt.
  • Access Transactional History, View Check Images or Search for Specific Transactions
  • Receive account alerts and statements electronically
  • Place stop payments by amount, check number, or date

Automated Clearing House (ACH)

ACH gives you greater control of your available funds, so your money works for you. Utilize our nationwide network and electronic payment method to initiate debits and credits. Make business-to-business payments, electronic payments, and federal tax transactions.

Wire Transfer

Leverage Patriot Online Banking to wire transfer funds or receive available funds immediately. Experience the convenience of same-day availability.

Positive Pay

Help prevent check fraud and gain better control of your payables process. With Positive Pay, we match the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by your company. All three components of the check must match exactly or it will not be accepted. Positive Pay protects your business daily against losses due to fraudulent check payments and the cashing of unauthorized checks.

Merchant Services

Expand your customers’ payment options, simplify your business operations, and increase revenue with Merchant Services. Our card processing solutions enable your business to accept all major credit and debit cards safely and securely. Convenient, comprehensive reports detailing transaction activity and daily settlement information can be accessed online. Click here for Patriot Bank merchant services.

Patriot FreedomLink™

Patriot FreedomLink™ lets you make secure, real-time deposits from your office desk. Our office deposit scanner makes it easy. This service lets you:

  • Receive funds faster
  • Say goodbye to inconvenient bank visits to make deposits
  • Eliminate deposit slips
  • Extended daily deposit deadlines
  • Improve efficiency and profitability

We support the current and prior major releases of Internet Explorer, Firefox, Safari, and Google Chrome.  Note that utilizing older browsers may result in disabled functionality or limited access to services.  Currently, Patriot FreedomLink™ is only compatible with Internet Explorer 9 or higher.

Lockbox Services

Lockbox Services is designed to reduce your daily workload and automate your account receivables. With lockbox service, all of your payments come directly to the bank through the mail and are posted into your account on the date of receipt, eliminating the daily sorting and payment preparation for deposit at the bank before cut-off time. A daily report of activity and images of checks and/or remittances is available online for updating your receivable file.  To access the report and images click here.

Zero Balance Accounts

Optimize your funds with Zero Balance Accounts (ZBA). This allows you to keep a zero balance in some accounts, such as petty cash or payroll, and a higher, predetermined balance in other accounts, like an operating account or money market. ZBAs maximize efficient fund usage by pooling cash resources and are used in conjunction with other sweep accounts.

Commercial Banking Resources

Cash Management Guide (PDF)

 

FreedomLink® and Treasury Management Services customers are subject to approval, must complete an application, and agree to terms and conditions.

Services may be subject to approval and additional restrictions, fees and limitations may apply.  Talk to a banker for details.