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Business Cash Management

Our Cash Management services offer a variety of flexible products to give you better ways to manage your money. To learn more about how we can tailor a package to meet your needs please e-mail us or contact us at (573) 547-6541 or (888) 547-6541 (outside Perryville).

Services include:

• Account Reconciliation
• Sweep Services
• Internet Banking Access
• GOiD Online Security Device 
• Payment Services
• Investment Opportunities

Account Reconciliation

This service allows you to compare transactions that have cleared your account verses transactions that are still outstanding. Account reconciliation saves you from manually balancing your records and provides account information faster and more frequently.

Monthly Statements

Bank statements are processed within three business days. Images of your checks are returned with your statements or you may opt for E-Statement.

CD-ROM Checks and Statement Images

This service provides information at your fingertips and eliminates the need to store paper documents. You can perform research in less time and it also allows you to sort and search for checks by dollar amount, serial number or date paid.

Account Analysis

The account analysis is a monthly evaluation of the activity on your accounts and the balances required to offset fees. It provides the detailed information needed to manage your accounts efficiently. Account Analysis allows you to view your total account relationship and use this information to assist you with making your money management decisions.

Sweep Services

Sweep Accounting, also referred to as “same day” sweep, is designed for clients who want to maximize the use of excess funds.

The amount of your investment is calculated at the end of each day after all debits and credits have been posted to your account. Sweeps may occur as often as daily. Please review the following options to see which services will best meet your banking needs.

Daily Investment Sweep

Revolving Credit Sweep

This feature allows you to minimize overdraft costs and interest expense. Any available funds are swept to reduce any existing lines of credit. If more funds are needed, a withdrawal will be made from the line of credit. Furthermore, if the checking account is in a negative state, a withdrawal is made on the line of credit to cover the amount.

Dual Investment Line of Credit Sweep

Produces revenue and minimizes interest expenses by merging the daily investment sweep and the Line of Credit Sweep.

Internet Banking Access

The Bank of Missouri’s Internet Banking Access provides basic account information around the clock from the convenience of your office, home or mobile device. You can view current transactions, determine available balances, print your previous statement, view detailed account information and items paid, and transfer money between accounts. You can also view up to 60 days of account history.

Internet Banking holds tremendous potential for cutting costs in terms of operations and transactions. By conducting fewer paper-based transactions and more electronic transactions, your company can save on these costs immediately and over the long term. Costs per transaction via the Internet are significantly lower than paper-based transactions.

• View current transactions
• View and print copies of your canceled checks
• Determine available balances
• View detailed account information and items paid
• Transfer money between accounts
• Statements available for a period of 12 months
• No monthly maintenance fee 
• Additional services
• Bill payment is $.50 per item
• GOiD Online Security Device

A one-time $5 application processing fee applies

We employ state-of-the-art technology to keep your account information secure. All information is encrypted and access requires passwords that only you know. These are just a few of the security measures we have taken to ensure your confidentiality.

In addition, you can enjoy added security with GOiD, a pocket-sized token that makes your online banking more secure than ever.

CASH MANAGEMENT ENHANCEMENTS

Cash Management builds on your current Internet Banking Access. The result is expanded online business tools.

• No set up cost
• Automated (ACH) debits and credits
• Outgoing domestic wire transfers (limit 4 per month)
• Direct deposit for employee payroll and secure federal and state tax payments
• First 25 bill payment items included, $.50 per additional item
• Monthly fee is $49.95

Payment Services

The Bank of Missouri provides an array of Payment Services to best meet the needs of your business. The Payment Services are designed to allow for simplicity and convenience you desire to perform daily activities.

ACH Services

ACH (Automated Clearing House) Services enables you to electronically transfer or make payments to various payees.

Direct Deposit

Direct Deposit service allows you to automatically deposit employee’s payroll directly into their checking or savings accounts. By using this method of payment services, you are reducing the cost of maintaining a paper based payroll system.

Automated Debits and Credits

Internet Banking allows you to create recurring transactions such as your employee’s payroll. You can also create transactions to move money among your corporate accounts, make corporate payments, vendor payments, and tax payments.

Bill Pay

Through The Bank of Missouri's Cash Management service you can pay your bills electronically. Pay anyone, anytime, in one convenient place. Save money on stamps, envelopes, and late fees.

Automated Stop Payment Services

Through the use of Internet Banking Access, your stop payments can be entered directly into the bank’s computer system without having to call or notify the bank.

Wire Transfers

Wire transfers allow the fastest and most precise timing of funds transfers anywhere in the United States. This service is also available through Internet Banking Access.

MISCELLANEOUS

Expert Solutions

Business check products are complex. When you talk directly to a check ordering expert, you will receive the right checks and accessories for your business as well as answers to your questions. The Bank of Missouri teamed with Harland Clarke to offer you an extensive selection of business check products.

ATM/Debit Card

Bank of Missouri transactions are free

• Free unlimited use for purchases anywhere MasterCard is accepted
• Non-Bank of Missouri ATM transactions are $2.25
• Initial card (one-time) process fee, card replacement and PIN change are $10 each

Investment Opportunities

Money Market Accounts

Money Market Accounts provide a competitive short-term interest rate with the added convenience of check writing privileges. These accounts are insured by the federal government and provide the convenience of immediate availability to your funds.

Certificates of Deposit

These investments offer a variety of terms and competitive rates. The term and interest payments can be structured to accommodate your company’s liquidity needs.

These investments are federally insured.

Contact us for more information and current interest rates, or apply online for any of these accounts.

For other saving options, click here for Banc of Missouri Investment Services.
 
   

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