ESB Financial

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Managing one of your business's most important assets - Cash - has never been easier with ESB Online cash management program. Access balance information, transfer balances, initiate ACH transactions, obtain statements and check images, issue stop payments and initiate wire transfers with the click of your mouse. Our state of the art technology even allows the business owner to establish various authority levels for completion of tasks. Of course, the security is also "state of the art" and the confidentiality of your business information is meticulously maintained.

Nearly every business can benefit from the features of this product. Transactions are easily completed and the service is available 24 hours a day, seven days a week. ACH (automated clearinghouse) lets you pay and receive payments electronically saving you both time and expense.

CASH MANAGEMENT OPTIONS
Features and Benefits
User Control	Balance Reporting	Payments and Collections	Report Writing	Back-Office Management
User identification controls multiple accounts and users securely.	Instantly check ledger balance, float balances, hold amounts, and available balance.	Conduct secure wire transfer requests. Subject to certain time restrictions.	Activity Reports are provided for monitoring and auditing purposes.	Quick and easy end-of-day reports.
Complete control as to which accounts each user can view and/or access.	View previous account activity and the previous month's statement.	ACH Origination allows setup of debits and credits.	Searches can be conducted by date, amount, check number or all three.	Automated file downloads and uploads.
Limits can be set on transaction amounts per user or per function.	View and filter posted transactions by type.	Features direct deposit payroll and EFTPS tax payments.	Account reconciliation allows comparison to your financial data.	Files can be transferred to disk to avoid re-keying of data.
Passwords can be assigned for different workstations.	Export information to your accounting software.	Stop payments can be submitted quickly. Certain restrictions apply.	A data mining feature allows you to sort according to assigned criteria.	Authority levels control employee access.

Use of ACH requires the establishment of activity limits and approval of the bank before use. Other fees may be assessed. The bank at no charge to our customers conducts training on the use of ACH services at least annually.

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