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Benefits:

• Accelerate collections of receivables
• Improves cash flow forecasting
• Reduces cost and time of processing payments from consumers
• Reduces cost and time of processing payments and delinquencies
• Minimizes the cost of transferring funds while reducing float and idle funds
• Reduces processing costs

Cash Concentration

Manage your funds more efficiently by centralizing them in an Integra Bank account. If you have multiple locations depositing funds into a variety of banks, Cash Concentration can be extremely effective in improving your investment potential and reducing your borrowing requirements. BankNet ACH Demo

Preauthorized Consumer Payments (ACH)

Electronically debit your customers personal or commercial checking or savings account to simplify the administration of large volumes of recurring receipts. Preauthorized Payments give you immediate access to your funds on the payment date and improve cash inflow forecasting by eliminating costly delays associated with mail and availability float. BankNet ACH Demo

Electronic Return Check Collection

Rather than re-presenting a returned check, the MICR line of the check is captured and the financial institution and customer account data are formatted into an ACH debit entry. By converting the check to an ACH debit, your chances of recovering the amount of the check increase greatly because you are electronically debiting the customer's account. This electronic collection process eliminates the time-consuming and manual task of collecting bad checks. BankNet ACH Demo

Merchant Services

Today, businesses need a credit card system that will work and grow along with them. Integra Bank merchant processing allows business customers to accept an array of credit cards including Visa®, MasterCard®, Discover®, American Express®, Travel and Entertainment cards and PIN-based debit cards.

Lockbox Services

An Integra Bank lockbox will save your company time and money by speeding the collection, processing, and clearing of your receipts. As a result, your company improves availability of funds, reduces borrowing requirements, and is able to earn more from earlier investment of funds. Wholesale lockbox services are designed to handle low volumes of high dollar payments, generally between businesses. Retail lockboxes are typically used for large volumes of relatively low dollar payments, usually from consumers. Integra Bank's Cash Management Specialists will help you determine the most efficient type of processing for your company.

Deposit Reconciliation

Provides a detailed listing of deposits by store, agency or department number. This option sorts MICR encoded deposit tickets that have been deposited into a common account from multiple locations and displays this information on the reconciliation report.