Cash Management Services In Brief

Account Analysis Statement
An account analysis statement shows the price of each bank service used, the volume of activity, and the compensating balance required.

Cash Concentration
Improve cash control and forecasting while reducing float and mail processing.
Cash Concentration enables the centralization of funds from multiple bank accounts anywhere in the US allowing for higher investment yields or debit reduction.

CD ROM
There is no need to call the bank for a photocopy of a cancelled check. CD ROM provides a copy of the front and back of checks and statements on a neatly formatted compact disc saving storage space and reducing research time.

Combined Account Analysis
Your business may benefit by combining multiple regular business checking account balances to offset service charges. At the end of each month, we'll combine multiple business checking account balances and account activity to calculate service charges.

Commercial Line of Credit Sweep Account
Based on an agreed upon target balance, we will automatically move funds to or from a commercial line of credit to manage excess balances, reduce interest and save time.

Direct Deposit of Payroll
Direct Deposit provides a valuable employee benefit and can save time and reduce fraud. Home Federal provides cost effective Direct Deposit solutions for any size business without expensive start-up costs or complicated systems.

Direct Payment
The fastest way to collect rent, dues or other receivables, Home Federal's Direct Payment service utilizes the Automated Clearing House (ACH) to electronically collect monthly or quarterly payments from tenants, members or other regularly scheduled payment streams.

Home-bank
Real-time internet banking in a secure personal computer environment. Check current and anticipated account balances, research and export account information, transfer funds between business accounts, view check images and more.

Fine Sort
Let us know if you would like your checks returned with your bank statement and we will return them in numerical order.

iLINK
Our premier treasury management workstation offers all the standard features of eBank plus the ability to manage multiple security access levels and assign access to specific resources. Additional module options include direct deposit and direct payment, positive pay, remote deposit capture, wire transfers, stop payments and cash concentration and disbursement.

Lockbox Services
Our Lockbox Service improves the availability of funds by accelerating the collection of remittances through a reduction of mail float and administration. All remittances are verified, endorsed and deposited to your account on the same day. We will email, fax, or telephone a listing of receivables.

Positive Pay
Safeguard against fraudulent or invalid checks clearing your account. We will compare presentments to checks issued and alert you to exception items. You decide which checks should be paid giving you complete control.

Remote Deposit Capture
Remote Deposit Capture replaces traditional deposit processes, reducing the time, effort and overhead costs associated with deposit preparation, validation, transportation, processing, and administration. Instead of going to the bank to make your deposit, simply scan the deposit ticket and checks and the virtual deposit posts directly to your account.

Seasonal Analysis
Seasonal Businesses may benefit by combining several months of activity and balances to off-set service charges. We will aggregate three or six months of account activity and average the account over the same period to reduce service charges.

Zero Balance Account (ZBA)
ZBA's give you efficient, centralized use of available funds for investment purposes while maintaining multiple disbursement accounts at either a zero balance or other predetermined minimum balance.

Special Handling - Returned Deposited Items
This deposit service enables business customers to direct the Bank to forward returned deposited items back to the customer or to a collection agent after the first present. The customer may also request The Bank to forward a Returned Deposited Item to a collection agent after the second presentment.

For more information or to speak with a business specialist, please contact your account officer, Business Services at 1-877-755-0455 or Business Banking at 507-252-7163.