ACH

Send money electronically through the Automated Clearing House (ACH) network to virtually any financial institution in the US.

• Submit payroll
• Make vendor payments
• Collect payments, dues, and recurring drafts

Wire Transfer

Make secure, same-day payments to accounts at other domestic and international financial institutions.

• Submit wire requests any time
• Set up single, recurring, or future-dated wire transfers
• Create templates of frequent payees for fast and easy transfers

Fraud Prevention

Our Positive Pay, ACH Filter, and ACH Block services protect your business from fraud by easily detecting fraudulent checks and ACH transactions.

• Minimize the potential for fraudulent check activity
• Review pending ACH transactions
• Block ACH transactions not authorized by you

Account Reconciliation

This convenient service helps save time and money on the expenses associated with reconciling your checking account.

• Automatically reconcile checks paid against your account
• Centralize cash by making deposits from multiple business locations into a single checking account
• Save money on bank fees and in-house expenses by eliminating multiple deposit accounts and funds transfers

Electronic Data Interchange

This service helps to apply electronic payments accurately by searching ACH transaction files for information such as invoice and purchase order numbers.

• Reduces errors resulting from manual payment processesity
• Provides certainty of payment timeliness
• Substitutes electronic messages for paper and speeds payment application

Remote Deposit Service

Using the latest imaging technology, scan checks received from your customers and electronically transmit them to us for processing..

• Make deposits easily from the convenience of your office
• Extend deposit deadlines
• Enhance security and accuracy of deposits

Zero Balance Accounts

Automatically maintain your payment and depository account at a zero balance by transferring funds from or to your operating account.

• Eliminate idle balances in payment accounts to increase investment income and reduce borrowing costs
• Prevent overdrafts and related costs
• Eliminate the need to initiate manual transfers

Wholesale Lockbox Service

Speed up the collection of funds and save time and money. Let the lockbox center process all of your deposits and clear payments promptly.

• Reduces in-house processing costs
• Accelerates the collection of receivables and makes funds available faster
• Reduces the possibility of theft, fraud, and error

roynat capitol bank Also Provides Merchant Services

An EMV payment terminal, virtual terminal, and mobile processing, and much more are available.