Receivables, Payables, Liquidity Management and Fraud Prevention
Bell offers the following payables solutions:
ACH Credit OriginationOptimize your payment strategy by making payments with a cost-effective solution. We offer same-day and next-day ACH origination.
Business Bill Pay
Eliminate the need to print and mail your checks with our business bill pay solution.
Outgoing Wire Origination
Originate online domestic or foreign wires in USD or FX (converting to the recipient’s local currency) with real-time FX rates available.
Business Credit Cards
We offer a variety of card types including purchasing, corporate and business credit cards. Corporate and personal liability are also available.
Leveraging existing and proprietary payment solutions on a single platform, integrated payables gives you one payment solution for all payment types: check, ACH, virtual card.
ACH Debit Origination
Expedite funds availability and collect receivables efficiently and cost-effectively.
Outsource your collection of payments to Bell Bank’s lockbox. We will ensure your payments are processed in a timely manner, while giving your accounting team time back in their day. We also have healthcare-specific lockbox solutions (more information available upon request).
Next-day settlement available, a 3-year contract (to ensure you are locked in to competitive pricing) and no early-termination fees are just some of the reasons our customers choose to process their credit cards with us.
Incoming Wire Transfers
Our wire transfers will give you immediate access to your funds. Receive real-time email notifications to confirm receipt of funds.
Create and manage your business invoices and payments from once place, with a complete set of financial tools inside Bell Bank's online banking.
Cash Vault Services
Process your cash securely and efficiently with Bell Bank’s cash vault service.
Eliminate trips to the bank and deposit your checks from the comfort of your office with Bell Bank’s remote deposit solution.
Deposit a check from anywhere you have your phone handy. Customizable limits available.
Information reporting and reconciliation services include:
Commercial Online Banking
Access accounts via a secure online connection to review real-time account activity, export transaction detail and access statement information.
Electronic Data Interchange (EDI)
Electronic Data Interchange allows you to receive ACH payment-related information so you can post and tie out your accounts receivable.
Use mobile banking to view account information, make transfers, deposit checks, and approve ACH and wire transfers from your phone.
Automated File Movements
Securely move your files to and from the bank. Our team will work with you to establish a SFTP connection if needed, or you can import/export transactions to and from the bank to your accounting software. We export into .CSV, Quicken, QuickBooks, and BAI2 to name a few.
Commercial Loan Sweeps
Optimize the way cash flows through your business, and automate transfers to and from your revolving line of credit with Bell Bank’s commercial loan sweep.
Insured Cash Sweeps
Ensure excess cash is fully FDIC-insured with Bell's insured cash sweep through IntraFi Network.
Money Market Sweeps
Use Bell’s money market sweep to create efficiencies and automate transfers to and from your savings account(s).
Zero-Balance Account Sweeps
Eliminate the need to track and fund individual disbursement accounts by consolidating your cash to maximize your return on the dollar.
According to the Association for Financial Professionals’ (AFP) “Payments Fraud and Control Survey,” 60% to 82% of companies have experienced attempted and/or actual payment fraud over the last decade.
Check and ACH fraud is not just a problem for large corporations. Fraud affects businesses of all sizes. Not only does Bell’s technology help your business identify potentially fraudulent items, it also allows you to promptly instruct Bell to return any items.
Bell offers the following positive pay options for your protection:
Check Positive Pay
Establish control by matching checks you’ve issued and authorized against checks that are presented for payment against your account. If there are discrepancies, you’re alerted and have the opportunity to make a payment decision.
ACH Positive Pay
Prevent unauthorized transactions by restricting access to only those you trust to make electronic debits to your account.
Payee Positive Pay
An enhanced form of positive pay to ensure the payee name matches what you issued.
Why Bell Bank?
Whether you’re looking for basic cash management support or help with more complex business challenges, Bell Bank’s treasury management team is here to listen and present solutions tailored to your unique business.