General Services
Manage your cash position with ease. Generate reports for tax purposes or view a variety of deposit and loan information, 24 hours a day.
  • Check balances
  • Perform check inquiries
  • View images of your checks and deposit tickets
  • Originate stop payments
  • Initiate outgoing domestic wire transfers
  • View incoming ACH items
  • Transact loan payments
  • Schedule funds transfers 

For additional convenience, we will notify you via email that ACH items have arrived. Other alert criteria can be established using Electronic Report Delivery.

Account Reconciliation
Streamline back-office operations and reduce exposure to errors and possible check fraud. Account Reconciliation gives you an easy way to automate the process, freeing your staff to focus on more meaningful tasks.

Partial Reconciliation

We'll provide you a list of paid checks in numerical order with the paid date and dollar amount. You can view paid check data online or we can transmit to you in an electronic data file to be uploaded into your reconciliation system.  Paid check images and reconciliation reports can also be delivered by CD-ROM.

Full Reconciliation

When you provide TowneBank a list of issued checks, we'll reconcile paid checks and identify outstanding items, helping you quickly address payment problems.

Deposit Reconciliation

Easily identify the origin of deposits made by multiple departments and/or locations. With special deposit origin codes on each deposit slip, all your departments can deposit into one bank account, eliminating the need to reconcile multiple accounts.

Check Fraud Control
Protect your company from fraud by monitoring against suspicious check activity through Positive Pay services. Positive Pay identifies fraudulent items before a payment is issued to help you to reduce the risk of financial loss and minimize disruption to your business.

Here’s how it works:

  • Each time you issue checks, you send an electronic file to TowneBank. The file contains individual check serial numbers and amounts.
  • TowneBank builds a register from the file you send and compares it to every check presented for payment against the file.
  • If any check’s serial number and amount do not match the file you sent, the check is presented as a possible fraudulent item through Towne-Biz Plus for you to make a pay or return decision.

Benefits to your company:

  • Detect suspicious check activity
  • Expedite identification of fraudulent activity
  • Quickly flag items and easily determine whether to make the payment or return the check