Commercial customers need an accurate, fast, and inexpensive way to manage their cash flow. Cash management products, combined with Internet Banking, provide the tools you need to help manage cash flows more efficiently.

Several products are available that improve controls and contribute to labor savings and increased revenue.

ACH Origination
Offer direct deposit to your employees, collect reoccurring payments from your customers, or transfer funds between financial institutions, all from your office computer! ACH Origination is a turnkey program accessed through your Internet banking account. Contact a Prosperan Bank personal banker today for more details.

Business Debit Cards and Credit Cards
The Business Visa® Debit card provides expanded access to your funds with worldwide acceptance at more than twenty million locations, in more than 150 countries, and since Debit card transactions come right out of your checking account, there are no annual fees or interest charges.
Would you like to start earning rewards for using your credit card? Prosperan Bank has partnered with Elan Financial Services to offer a full line of Business Credit Cards that best fit your needs. Sign up today to take advantage of a 0% introductory APR and no annual fee on select cards, and multiple rewards options. Stop into any of our locations or call a Personal Banker at 651-702-3976 for more information or to apply. All credit products subject to approval.

• View account balances in real time
• Transfer funds
• View account history
• Pay bills
• View check images - front and back
• Initiate wire transfers
• Plus more!
  

Money Market Sweeps
Have excess funds from your business checking account automatically swept into an interest bearing money market account.

Merchant Credit Card Services
Prosperan Bank has partnered with the Elavon Network® to deliver the industry's leading merchant processing solutions. By combining our banking expertise with Elavon's premier payment processing network, you can enjoy a one-stop solution for all of your banking and payment processing needs. Choosing the right payments partner can be critical to your bottom line, and the Elavon Network clearly delivers the most powerful platform in the industry. If you have a payment processing need, Prosperan Bank and Elavon have the solution.

RELY ON THE INDUSTRY’S #1 NETWORK
• Rated #1 by MasterCard for reliability and availability
• 100% network uptime from Elavon’s fully redundant systems
• High speed transaction processing
• Built in fraud monitoring and control features

CHOOSE AN INDUSTRY LEADER
• Elavon processes over one billion transactions annually for more than 750,000 merchant locations
• Elavon is the third largest payment processor in the United States

ENJOY SUPERIOR CUSTOMER SERVICE & ONLINE SUPPORT
• Customer service is available 24/7 from trained professionals in Elavon’s call center
• Log onto MerchantConnect.com to request new products, access monthly statements, view the status of your account and more.

PAYMENT SOLUTIONS ARE AVAILABLE FOR:
• Retail
• Restaurants
• Supermarkets
• Lodging/Hospitality
• Education/Government
• Mail order/E-commerce

SOLUTIONS TO GROW YOUR BUSINESS:
• PC and Terminal Based POS Solutions
• Wireless Payment Processing
• Internet/e-Commerce
• Electronic Check Service
• Electronic Gift Cards
• Debit, EBT
• Fleet Cards
• Dynamic Currency Conversion
• Purchasing/Corporate Cards

Already a Prosperan Bank merchant customer, but need to register for online account access? Click here to get started. If you already have your User ID and Password, Click here to access monthly statements; view the status of your account and much more.

Onsite Deposit
Would you like to spend more time on your business and less time on your banking? Eliminate timely and costly trips to the bank? Improve your cash flow? Consolidate your deposit accounts?
Now you can with Prosperan Bank Onsite Deposit.

Onsite Deposit is a convenient, secure, cost effective service that allows you to deposit checks into your account without going to the bank. Using a desktop scanner, you create an image of the front and back of each item. The captured images are transmitted and deposited to your Prosperan Bank account through a user-friendly software installed onto your PC.

• Onsite Deposit Saves Time.
  There is no need to stamp each check, write up a deposit ticket, take a copy of each item, and drive the deposit to the bank because the Onsite Deposit program will do all of this for you.
• Onsite Deposit Saves Money.
  Reduce costs associated with courier fees, postage, fuel/mileage, deposit tickets, and free up your employees’ time for development rather than running deposits to the bank.
• Onsite Deposit Improves Cash Flow.
  With Onsite Deposit you are able to deposit daily rather than stockpiling checks that funnel in and making one or two deposits a week. Checks transmitted to the bank by the daily cut-off time are processed on that day’s business. Depositing daily will expedite check processing, allow you to access your funds faster and receive earlier notifications of returned items.
• Onsite Deposit is Safe.
  Depositing checks from your office reduced the risk of lost or stolen items.

Positive Pay
Positive Pay is a product that allows commercial users an easy way to monitor checks clearing their accounts. The system can quickly identify fraudulent transactions by comparing an “issued” check/payment file with the “processed” check/payment file and notifying the financial institution of any exceptions that need to be handled. Positive Pay is simple and cost effective. Most importantly, it protects you from fraud.