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At VCB, we know that running a business requires the right tools to get the job done. All of our Treasury Solutions are available to business checking account holders and can help enhance your business banking capabilities
With RDC you can save time and scan/deposit from your desktop. No need to make a trip to the bank.
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Add remote deposit capability and you’ll be depositing checks safely and securely right from your place of business. No more trips to the bank, saving you time and hassle!
Includes:
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Let us automatically re-submit customer NSF items on your behalf and help to ensure that you get paid.
When you’re enrolled in this helpful service, VCB will automatically send any NSF checks deposited into your business checking account to Re$ubmitIt for collection. The service then converts the NSF item into an electronic transaction and presents it for payment to the check writer’s bank for payment. This helps increase the odds you get paid… but without having to do any of the work!
Login to Re$ubmitIt
Originate Automated Clearing House (ACH) debits and credits for payroll, billing and receiving funds.
Also known as “ACH” transactions, this service enables your business to initiate electronic transactions for paperless entries through VCB accounts maintained here and at other financial institutions.
Useful for:
Funds can be transferred (“swept”) into an interest-earning account, yet remain available for instant access.
Business Sweep Accounts provide an account into which funds can be transferred and earn interest, and allows immediate access to those funds to meet daily cash flow demands. The investment account is not FDIC insured, accrues interest daily on the ledger balance, and the interest rate is variable and set by VCB.
Based on the pre-set target balance, the system will:
Accept all major credit and debit/check cards for customer payment. Also includes gift cards and 24/7 merchant support.
Our Merchant Services can help you meet customer expectations with a range of full-service card and check processing solutions that will help you improve customer service, reduce accounts receivable, increase profits and decrease operating expenses.
Gift Card and Loyalty Programs
Bring customers back again and again with a robust offering of merchant-branded gift card and loyalty programs.
Reliable Technology
Smartphone processing for both iOS and Android devices along with EMV, NFC, and ApplePay capabilities. Virtual Terminal options are available to fit your business needs.
Mobile Payment Acceptance
Accept payments anywhere, any time, simply from a smartphone or tablet.
Online Payment Solutions
Bring your business online with an e-commerce gateway for secure card-not-present (CNP) purchases
Compliance and Data Protection
Protect customer data with encryption, tokenization, PCI compliance, breach protection, risk management and more.
Improved Cash Flow
Receive direct payments to your account within 24 to 72 hours. You will also reduce receivables by collecting 100% of the transaction value at the time of service.
Superior Reporting
Secure next-day reporting with easy viewing of transaction-related data as well as deposit and batch history- all from the convenience of a Web interface. You will receive reporting on transaction analysis, deposit history, batch history and merchant statements.
Consolidated Statements
You will be provided with consolidated, easy to read merchant processing statements.
Security and Compliance
Data breach protection up to $100,000 per merchant. PCI program support with online management and reporting tools.
For added payment security, you provide a list of issued checks that we match when items present for payment.
Be safe and secure with Positive Pay, stopping fraud before there is a loss. With Positive Pay through our Online Banking service, you provide VCB with a list of all checks you have written. As checks are presented for payment, they are matched against your list and the amount verified, reducing the time involved in manual fraud prevention measures. Positive Pay also provides greater accuracy and control over cash flow, in addition to giving you added peace of mind.
Quickly and securely send money (domestic and international) to anyone with this convenient service.
If you need to securely (and quickly) get money to someone, you can’t do better than a wire transfer. Collected funds can be sent anywhere in the United States or even internationally.
With a “ZBA,” excess funds from subsidiary accounts are swept into a main concentration account giving you more control over your business’ cash.
The ZBA is a checking account in which a balance of zero is maintained by automatically transferring funds from a master account in an amount only large enough to cover checks presented and then the ZBA account will return to a zero balance once the transaction has been completed.
You can easily see all of your business’ cash in one main account rather than keeping track of several different accounts!
If you’re a business checking account holder and would like to take advantage of any of our Treasury Solutions, simply complete the form below to get started. One of our commercial banking experts will be in touch to get you started.
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Lobby Hours
Monday-Friday: 9:00 a.m. - 5:00 p.m.
Monday-Friday: 9:00 a.m. - 2:00 p.m.
Drive-Thru Hours
Monday-Friday: 8:30 a.m. - 5:00 p.m.
Saturday: 9:00 a.m. - 12:00 p.m.
Branch Hours
Monday through Thursday 9:00 AM - 5:30PM
Friday 9:00 AM - 6:00 PM
By appointment only
Monday-Thursday: 10:00 a.m. - 2:00 p.m.
Friday: 12:00 p.m. - 4:00pm
Monday through Thursday 9:00 AM - 5:00PM
Monday-Friday: 8:00 a.m. - 5:00 p.m.
Monday-Thursday: 9:00 a.m. - 5:30 p.m.
Friday: 9:00 a.m. - 6:00 p.m.