Monitor individual debit and credit transactions
	Review check presentments each afternoon, prior to posting
	Place stop payments
	View images of your posted checks
	Print bank statements as needed.

ACH Origination Services

Pacific Western Bank provides both Debit and Credit ACH origination services to our clients. Debit Origination Service automates your accounts receivable process by allowing you to collect payments from your customers electronically. Credit Origination Service is best known for Direct Deposit of Payroll, although any recurring payment, such as pensions, annuities, or dividends can be made via the Automated Clearing House (ACH).

We can receive your file in a variety of ways:

	Third Party Payroll Vendor
	Client Originated, Direct Transmission
	Client Originated, File Transfer via VIPbanker™
	VIPbanker™ ACH Editor

THIRD PARTY VENDOR
Pacific Western Bank has long-term relationships with the major national payroll processors, such as ADP, Ceridian Employer Services and Zurich Business Services. The Bank works with these payroll vendors to process direct deposit files for our clients. Each pay period, your vendor transmits a file containing payroll information to us. We process through the Automated Clearing House to ensure your employees are paid on settlement date.

CLIENT ORIGIANTED FILES
For clients with internal payroll systems, Pacific Western Bank can process your pre-formatted payroll files on a PC to PC direct transmission or on a file transfer basis via VIPbanker™.
Clients, who are not able to create a file in the standard National Automated Clearing House Association (NACHA) format, can take advantage of the VIPbanker™ ACH Editor. This module allows you to enter employee or customer bank account information directly into a database file for reoccurring use. Each processing period, you simply update the file information, provide the settlement date and upload to the Bank via the VIPbanker™ Service. The VIPbanker™ ACH Editor software converts your database file into the standard NACHA file format used by all financial institutions.

Whatever method of input you select, your company can be assured of quality, experienced local support for questions and problem resolution.

Lockbox Services
Pacific Western Bank ’s Lockbox Service is designed to meet the needs of corporations that receive remittance payments.

As the name implies, lockbox receives payments from a consumer or retail client base. Lockboxes are typically described as having high-volume and lower dollar amount payments but can also be low volume, high dollar remittance from your corporate customers. Charitable contributions, association dues, tenant rent, and utility are common examples of payments.

The key to automated lockbox processing is a machine-readable document, which is provided to the consumer for each payment expected. Information pertinent to the payment is contained in a machine-readable (OCR) line on the document. The OCR information may contain a customer number, due date, payment amount, and other unique data. When your customer returns the document with their check, the Bank captures this data automatically by scanning the OCR line. We then provide this information to you in an automated format, usually via data transmission permitting timely, efficient posting of receivables without re-keying.

We also offer lockbox processing for non-readable documents with the same data transmission benefits.

SERVICES BENEFITS
The key benefits associated with lockbox services are:

	Improved cash flow and greater funds availability
	Reduced in house costs and processing time
	Timely information for updating and managing accounts receivable
	Less credit exposure with faster processing and collection time Improved audit controls.

Pacific Western Bank ’s Lockbox Service is custom programmed for each client. We coordinate the setup of your lockbox with your Data Processing, Finance, and Accounts Receivable Departments to ensure a comprehensive and fully integrated program. This extra attention to detail at the front end means a more efficient system design, less disruption at conversion, and lower overall programming costs.

SERVICE QUALITY
Pacific Western Bank is committed to providing quality, cost-effective lockbox solutions to meet your check processing needs. Your payments are mailed to a Post Office Box and processed by bank personnel. We pride ourselves on our ability to offer consistent, responsive, and professional service without the bureaucracy associated with large, departmentalized organizations.

ZERO BALANCE ACCOUNTING
Automated Zero Balance Accounting (ZBA) service is designed to ease daily cash management functions by consolidating corporate checking account balances into one concentration account. Excess cash is easily identified and can be used to reduce borrowings or for investment purposes.

The concentration account is automatically linked to any number of sub-accounts known as zero balance accounts. These sub-accounts are forced to a zero balance at the end of each day. Excess funds held in, or deposits made to a Zero Balance Account, are credited to the corresponding concentration account. All debits to the Zero Balance Account are funded automatically by the concentration account.

Zero Balance Accounting provides the following benefits:
Consolidates funds for company use
Reduces the number of accounts to be managed
Decreases internal clerical costs by eliminating the need to make numerous account transfers
Eliminates overdraft charges from not transferring funds in a timely manner
Improves audit trail information for all account activity

Payroll accounts and Credit Card accounts are perfect candidates for Zero Balance Accounting. In these instances, a separate account is desirable for confidentiality or accounting purposes, but funds can be co-mingled with operating funds.

Whether you use Zero Balance Accounting to concentrate or disburse funds, you will continue to receive a separate bank statement for each account. Transfer activity is clearly indicated on the bank statement with the descriptions, “Transfer From #XXXXXXXXX” and “Transfer To #XXXXXXXXXX”. These descriptions will also be shown on the VIPbanker ™ Service.

Zero balance accounts may be held at any Pacific Western Bank office and must be non-interest bearing checking accounts.

Merchant Services
Provide your customers the convenience of paying for purchases with a credit or debit card. Expand your payment options and increase sales with Merchant Services from Pacific Western Bank .

BENEFITS

	Reduce cash, check and additional processing fees
	Eliminate the need to bring cash or checks to the bank personally
	Increase cash flow
	Grow your profits from increased sales opportunities

Courier Services
Our staff members are available to process your deposits, fill coin and cash orders, process loan payments, TT&L payments and arrange for special pick-ups or deliveries. You may also include correspondence you wish to have routed to a designated person in another area of the bank.

Cash/Coin Orders
By completing a Change Order Authorization form which lists staff members in your organization who are authorized to request cash and coin orders, you can request change orders from the Courier Department by phone or fax. Cash and coin orders received before 11:00 A.M. will be filled the same day.

If you collect a large amount of loose coin, we offer convenient solutions.