Integrated Commercial, Real Estate and Private Banking – One Point of Contact
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Cash Management

Our cash management products, service and professional expertise will help you succeed whatever your size, industry or location. We will create a personalized package to complement your unique business requirements and effectively manage your daily cash flow and reserves.

Account Analysis
Account analysis allows you to group multiple accounts in a relationship together and take advantage of a competitive earnings credit rate that is applied to collected balances. The earnings credits can then offset monthly fees for activity charges and bank services.

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Master Agreement Accounts
These accounts are great for high volume active companies as they offer the ease and convenience of opening and closing accounts with the same signature.

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Account Reconciliation Services
Our flexible options will assist you to reconcile your bank statements at the end of each statement cycle. You will benefit from increased accuracy and a reduction in staffing and labor costs.

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ACH Electronic Data Interchange (EDI) Reporting
Automated Clearing House (ACH) addenda records are an effective way of providing additional information about ACH credits and debits to assist you with matching transaction amounts on multiple documents.
Automated Clearing House (ACH) Origination
Automated Clearing House (ACH) is a secure and cost effective batch processing network for your electronic deposits and payments. Use this to make:

  • Regular, recurring payments by direct deposit for payroll, vendor payments, expense reimbursements, interest, dividends, royalties, federal and state tax payments, etc.
  • Pre-authorized payment collections from your retail customers.
  • Electronic transfers of cash concentration and disbursements of corporate funds between accounts or other banks and disbursements to electronically transfer corporate funds to or from an account at another bank.
  • Corporate to corporate payments via Corporate Trade Exchange

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Bill Pay View Demo
Simplify your monthly bill paying with Business Bill Pay. Now you can pay all your bills online. No more writing checks and no more trips to the post office. Just log in, tell us who you want to pay, how much, and when. It’s that easy. You can pay individual bills, or schedule regular payments. It’s all part of our continuing effort to provide you with the most complete banking services available.
  • Pay Bills – set up recurring one-time payments
  • Payment Calendar – displays scheduled and processed payments
  • Email Alerts – remind you of due dates and notify you when your payments have been sent
  • Payment History – access up to 7 years of payment history and view transaction detail
  • Merchant Accounts – add, modify, or delete account information for individuals or companies (e.g. set up accounts for: utility companies, credit cards, loan payments, friends, relatives, etc.)

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Corporate Credit Card
Manage and control your employee expenses with a Visa® Purchasing Card or Visa® Corporate Card. Applications are available
upon request.

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Bankcard Merchant Program
A simple and effective card processing system to enable you to accept credit and debit card payments.  This is an alternative way for your clients to make payments that provides additional value and convenience. Ask about the different processing methods available to match your unique situation.

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Lockbox Processing View Demo
An excellent cash management tool to maximize available cash through an accelerated deposit collection process.  This service reduces mail and processing time to maximize your access to available cash. Our bank personnel collect and process the payments that you make to an assigned post office box.  Use the lockbox service as a faster, easier way to process your company’s accounts receivable. Lockbox, also known as Remittance Processing, allows you to put your resources to better use by employing a more efficient system to receive and deposit customer payments. Lockbox lets you reduce or eliminate:

  • Payment postings
  • Bank deposit preparation
  • Daily trips to the post office and the bank
  • Potential for theft, fraud, and error

Best of all, with same-day processing your money goes to work for
you sooner!

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Positive Pay
This anti-fraud service gives you peace of mind and protects you against altered or counterfeit checks. On presentation, we will match these against the electronic file that you provide us with.  We will alert you to any checks that do not match your file and we will pay or return these according to your instructions.  Protect your company against check fraud with Positive Pay.

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Reverse Wires
Let us help you receive collected funds from your business clients by setting up wiring instructions to their originating banks.  Enjoy the benefits of this same day service.

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Remote Deposit Capture  View Demo
Remote Deposit Capture Services can help strengthen your cash flow. It brings our bank to the comfort of your office or place of business.  You can now make immediate deposits with this electronic service that says goodbye to waiting in line, to missed deposit deadlines and to handwritten deposits.  Enjoy the benefits of secure transactions, risk management and reduced fraud.

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Zero Balancing Accounting
Let us help you to maximize your investment potential and to assist you in reconciling your accounts.  We can automate fund transfers between your California Republic Bank accounts.

  • Use Zero Balance Accounting for efficient use of funds when you automatically transfer funds between your company’s depository account and one of your disbursement accounts i.e. our payroll or accounts payable accounts.
  • Use Automatic Loan Pay Downs for automatic recurring transfers between your deposit and loan accounts.

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Statements on CD-ROM
Receive your bank statements with front and bank images of checks that you have written via CD-ROM.  Use this to quickly and accurately search the data by dollar amount, serial number, and account or routing number.  This service enables you to see your check images in seconds.

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Online Cash Management
Use our totally interactive banking web-site to easily and accurately access and manage your business activities. Choose from an array
of services:

  • ACH Origination
  • Wire transfers
  • View current account balances and detailed account activity
  • Transfer between your California Republic Bank accounts
  • Alert Notifications
  • Initiate stop payment orders
  • Download transactions to accounting programs
  • Positive Pay
  • Bill Pay
  • View bank account statements
  • Account Reconciliation
  • BAI File Download

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Wire Transfers
Transfer your money securely between financial institutions through our wire transfer service.  This is an immediate, reliable and secure method that you can initiate via online banking or telephone.

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Cash Management DEMO »

Online Cash Management

Use our totally interactive banking website to easily and accurately access and manage your business activities.