Remote Deposit Capture
Remote Deposit Capture (RDC) utilizes a desktop scanner connected to your PC and the Internet. With it, you can scan checks for deposit received from customers and issue deposits electronically to your Capital Bank account anytime convenient to you. Funds deposited by 8:00 p.m. ET receive same-day credit. It’s secure and the quickest way to deposit checks into your account, and you don’t have to go to the bank to do it. Learn More.
Pre-Authorized Drafts (ACH)
With ACH technology, you can initiate electronic debits for recurring customer payments from your customers’ accounts at various financial institutions into your Capital Bank corporate account. This reduces billing costs, improves collection and allows you to better forecast cash flow.
Zero Balance Accounts (ZBA)
A zero balance account (ZBA) allows you to automatically pool funds into one master account from multiple accounts of yours. Funds are transferred electronically each business night from the sub accounts to the master account for automatic funds concentration. ZBAs eliminate the need to transfer funds manually, reduce account balance requirements and increase the amount of usable cash in your company’s operating account.
Like our collection service, ZBA accounts work well for disbursement accounts, such as company payroll accounts linked to an operating account. Zero balance accounts automatically link multiple Capital Bank checking accounts together, thereby eliminating the need to make manual transfers or phone transfers between accounts.
Wire Transfer Services
A wire transfer is an electronic transfer of funds from one financial institution to another and is generally originated by a written or verbal request by a Capital Bank client. Because a wire transfer represents the immediate transfer of funds from the bank, it is the policy of Capital Bank to ensure that all wire transfer requests are received only from individuals who are authorized to withdraw funds from Capital Bank accounts and to transfer funds only against collected funds.
Image Cash Letter (ICL)
Our Image Cash Letter service enables you to use your existing imaging infrastructure to capture the images of both business and consumers checks and transmit them to Capital Bank for processing.
Take the burden of processing payments off your shoulders. Capital Bank's state-of-the-art Internet Lockbox service provides convenient processing of high volume payments for your business. This streamlined remittance process eliminates the need for you and your staff to sort and process receivables, allowing for more effective use of your time.
Capital Bank can help your business grow revenue by accepting Visa®, MasterCard®, American Express® and Discover® credit card processing. With Merchant Services, your credit card deposits are credited to your Capital Bank checking account! We offer straight forward merchant services pricing with no hidden fees. You can access your account at any time through our online management portal.
Capital Bank partners with Loomis Direct who offers a Virtual Vault End to End solution. SafePoint helps to streamline your cash handling process with a secure and an automated reporting system. Cash is verified in the safe and posts to your account as provisional credit. SafePoint online experience is for everyday cash management and reconciliation needs, in ways that are simple and intuitive.