Online Banking

"The best thing they do is solve my problems."

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  1. .

"They're committed to family and to agriculture."

"I've never felt like they're not there for me."

Cash Management

Columbia Bank’s diversified cash management programs* are tailored to meet the specific banking needs of each individual business. We combine technology with integrated operations and local expertise for safe, powerful, flexible solutions. Columbia Bank customers, of all sizes, choose from a full range of transaction and cash management tools to gain more control over—and make more from—their money.

Our cash management professionals will work with you to find the best combination of services for your business. This customized, modular approach will ensure your business banking operations are cost-effective now, with flexibility for future growth.

Information Reporting

Business Online Banking
Access to information plays an important role in the success of your business. Business Online Banking provides the information you need quickly and accurately. Manage your cash flow, reconcile your accounts, prevent fraud and create electronic transactions right from your Web browser. Whether you prefer to look at real-time information or export information from previous days, you can be assured the information is at your fingertips. Bank online—with confidence.

You can learn more by trying our interactive Business Online Banking demo

Enroll in Business Online Banking.

Remote Deposit Capture

Columbia Bank is proud to offer our remote deposit service, Columbia dailyDEPOSIT ™. This valuable product will allow you to electronically deposit the checks you receive on a daily basis without having to go to the bank or pay for courier services. dailyDEPOSIT ™ works with a small desk-top scanner in your office and an internet program that allows you to scan your checks, edit them for accuracy, create a deposit and transmit it to the bank. dailyDEPOSIT ™ will help eliminate courier fees, allow later deposit cut-off time and store images for easy retrieval.

Deposits can be transmitted to the bank as late as 7:00pm for same day credit.

 

View dailyDEPOSIT ™ demonstration video

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Collections

Efficiencies and increased availability can be gained by allowing Columbia Bank’s consultants to help you collect your funds more effectively. Speed up your available cash, reduce fraud risk and save time and money.

Consider these options:

Originate Automated Clearing House (ACH) Debits
Expedite your collections and build stronger cash flow by initiating electronic debits to your customers through Columbia Bank's Business Online Banking.

Remote Deposit
Eliminate daily trips to the bank by depositing paper checks electronically with dailyDEPOSIT.

Lockbox
Process payments more cost effectively and gain quicker access to your funds by using Columbia Bank's lockbox service. We gather your payments, deposit the funds into your account and provide detailed information for you to update your accounts receivable system.

Merchant Services
We accept VISA®, MasterCard® and Discover® Network sales drafts for deposit into your Business Checking Account, plus we provide local support, equipment and supplies.

Disbursements

Using Columbia Bank's Business Online Banking to send electronic payments to your employees and vendors saves you precious time. Eliminate the costs of printing and distributing checks, and reduce the uncertainty and potential for fraud or delays associated with mailing payments.

Direct Deposit of Payroll
Upload your payroll information into Columbia Bank’s Business Online Banking system for a fast, effective way to create electronic payments to your employees. No more payroll checks to print, mail or reconcile.

ACH Credits to Vendors and Tax Payments
You can pay almost anyone by ACH credit. Use this secure electronic payment method to take advantage of discounts with your vendors. Reduce check fraud. Reduce reconciliation costs.

Wire Transfers
Originate both domestic and international wires online. Whether you send them repetitively or just once in a while, online wires are more efficient, secure and cost less than manual transfers.

Fraud Protection

Positive Pay
Protect your business from check and electronic fraud by using Columbia Bank’s Positive Pay and ACH Filter products. Positive Pay allows you to inform the bank what checks you have written and compares that data against checks presented against your account. If we receive a check that does not match what you’ve told us you’ve issued, we provide an exception report and give you the control to decide whether to pay or return the check.

ACH Filters
ACH filters gives you control over what electronic transactions can post to your account(s). You tell us who you’ve authorized to send electronic transactions to your account(s)—all other transactions will be rejected and you will be contacted to make the decision to allow those transactions to post or be returned.

Excess Funds Management

Being in control of your daily cash flow is an essential function of a successful business. Columbia Bank offers several funds management options that enable you to spend your time doing what you do best—running your business.

Zero Balance Accounts (ZBAs)
Fund your payroll, accounts payable and other disbursement accounts from your main operating account. ZBAs give you the option to segregate your transactions while eliminating the need to manually transfer funds back and forth.

Sweep Products
By linking your operating account to an Investment Sweep, our systems help you maximize cash flow. Excess balances are transferred. You gain competitive returns while saving the time and energy of managing your balances.

A Line of Credit Sweep can be linked from your operating account to your loan. Save interest expense by using our automated systems to pay down your line every night with excess funds. And if you need money to fund your operating account—the sweep will transfer from your line of credit into your operating account.

If you borrow from your line occasionally but at other times have excess funds to invest, we can provide a Dual Sweep, which will either pay down your line or transfer balances to your investment account.

Account Analysis
Account analysis provides an earnings credit, based on your combined balances, that will be applied to offset your service charges. This earnings credit can not only offset the cost of your checks paid, deposits, wire transfers, etc., it can also be used to offset the cost of any other treasury management product or service.

Biz Bundle

Columbia Bank’s new Biz Bundle combines powerful fraud protection, bill payment and remote deposit services into one economically priced package. Add the Biz Bundle to a business checking account today and begin saving!1

  • Enjoy bundled cost savings
  • Reduce expenses with less travel to the bank
  • Access professional expertise and support
  • Reduce the risk of fraud


Expertise

Enjoy free access to our exclusive Commercial Care Center for assistance with setup, ongoing technical support and professional service.

  Without Scanner     Scanner Included
  Remote Deposit Capture
without scanner rental
  Business Online Banking
  Positive Pay
  Export to QuickBooks/Quicken
  Business Bill Pay with Direct Deposit Origination

$50 per month

  Remote Deposit Capture with scanner rental
  Business Online Banking
  Positive Pay
  Export to QuickBooks/Quicken
  Business Bill Pay with Direct Deposit Origination

$75 per month


1 The Biz Bundle may be added to Columbia Bank’s Primary Business Checking, Small Business Checking, Business Checking, Professional Banking Checking and Business Interest Checking accounts.


*
Some services may require additional fees (setup, monthly maintenance, etc.). Please review the Services and Fees Schedule and additional product brochures for fees related to any service.