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Cash Management Services

Modern businesses need speed, flexibility and service to successfully compete. Simplify your business banking - take advantage of our specialized business services without leaving your office. With Cash Management, business customers are able to manage accounts and cash flow online, anytime. You can view account balances, verify deposits, transfer between accounts, view paid checks, pay bills, create ACH transactions (with approval and a signed ODFI Originator Agreement), and request wire transfers (with approval and a signed Wire Transfer Agreement)!

Online Banking for Business is a Necessity

We offer a sophisticated set of online tools that can be customized to suit any business, ensuring your cash balances are constantly working hard for you. Instant transaction originations, automatic balance alerts and fraud control are just a few of the features that will give you an unprecedented level of control, freedom and flexibility. Here are just a few of the features:

  • View Real-time Balances
  • Balance Alerts
  • On-screen Check Images
  • Transfer Funds Between Accounts
  • Transaction Search
  • Make Loan Payments
  • Bill Payment
  • Stop Payments
  • ACH Origination
  • Initiate Wires

What is an ACH?

The Automated Clearing House (ACH) is an electronic payment network whereby funds are transferred between financial institutions. Unlike a check, an ACH transaction may be either a debit or credit. Clearing is provided electronically rather than through the physical movement of checks or cash. The ACH Network is the nation's largest electronic payments network.

Using ACH, you can easily conduct activities such as:

  • Direct deposit of employee payroll checks to any bank
  • Collection of payments, rent, or fees from customers

No more payroll checks to write, and then waiting for them to clear. The transactions settle in one amount and you can reconcile your books much sooner. Plus, no lost checks to worry about, and you’ll save on the ever-increasing cost of postage.

Contact us today or stop by your local Edmonton State Bank location to learn more about Cash Management services.

Are there risks?

With any online banking function, there are always associated risks. We like to think that we put security as a top priority for our customers, however more sophisticated threats arise every single day. We like to educate our customers on potential issues. To familiarize yourself with a risk commonly referred to as CATO, click here.

NACHA Rules and Guidelines

Each company originating ACH entries through Edmonton State Bank must comply with the NACHA Operating Rules as stated within the ACH agreement between Edmonton State Bank and the company.

Annually, it is recommended that you purchase a copy of the updated NACHA Operating Rules & Guidelines by visiting You may also obtain free limited access to the basic NACHA Operating Rules in read-only format by visiting