Cash Management
Streamlined Account Management
Cash Management Solutions
Providing you the tools you need to help your business grow.
Information Reporting
Real-time business banking at your fingertips and on your schedule.
- Move money and pay bills
- Track and report finances
- Customize multi-user access
Deposit & Disbursement Services
Accelerate the conversion of deposits into cash and streamline payables.
- Remote Deposit Capture (RDC)
- Automated Clearing House (ACH)
- Merchant services
Liquidity Management
Manage excess funds and liquidity with our short-term investment options.
- CDARS
- Insured Cash Sweep (ICS)
- Sweep services
Business Account Management
Run your business more effectively and efficiently with Cash Management Business Banking.
Pay Vendors and Employees
Process fast, easy and secure online payments.
View Statements and Check Images
Easy way to stay on top of transactions and deposits.
Export to Money Management Software
Simplify financial management quickly.
Set Permissions
Manage each users access to your accounts and easily set their level of online permissions.
Remote Deposit Capture
Run your business without running to the bank.
Next Day Availability
Next business day availability on checks scanned and received by 5 p.m. CST.
Online Reporting
Easily retrieve deposit details and images of deposited items.
Reduce Fraud
Faster clearing reduces the negative impact of returned checks and check fraud.
Automated Clearing House (ACH)
Save time and money when sending or receiving funds.
Sending and receiving payments may be one of the most important aspects of your business. And it’s important for the process to be economical, safe and reliable. The more efficiently you manage payables and receivables, the quicker you can begin investing your excess cash to support operating capital or debt reduction.
Safeguard Transactions & Minimize Risk
Positive Pay
One of the most powerful tools available to combat check fraud today. Through our Cash Management online platform, customers upload an electronic file of issued checks, including the account number, check number, dollar amount and payee name* (*Payee Positive Pay). We match each check presented for payment against your issue file to ensure proper payment and reduce the risk of altered or falsified checks.
ACH Blocks
Protect against unauthorized ACH transactions. This fraud tool provides access to block all incoming ACH debits and/or credits or filter by providing a list of companies authorized to post ACH debit transactions to your account. We automatically block those entries that are not authorized.
Collect payments in your Office, On-The-Go, or Online
Merchant Services
Competitive pricing with flexible hardware & software options. We process all major credit cards; VISA®, MasterCard®, American Express® and Discover Card®. You can choose between traditional terminal, telephone touch-tone processing, or mobile options.
Competitive Rates
Complete a brief application and we will provide a comparative analysis at no cost to you.
Next-Day Funding
Next-day funding available if batched out before 10:30pm CT
Support
Conversion support including 24 hour support desk.
Additional Cash Management Features
Wire Transfers
Initiate Wire Transfers online for a fast and secure way to electronically transfer funds for same-day settlement. This payment solution provides a simple way to send or receive domestic and international transfers.
Email & Text Alerts
Receive Email and/or Text Alerts about your account(s).
Lockbox Services
Happy offers both Wholesale and Retail Lockbox Services to help increase your company’s efficiency by accelerating collections and reducing labor costs.
Zero Balance Accounts (ZBA)
This feature, attached to your checking account, allows you to consolidate your funds from multiple accounts for greater control over your cash resources. A balance of zero, or a minimum/maximum threshold is set by you. Funds automatically transfer to/from a “master” account to consolidate funds daily.