Introducing
a better way
to manage.

Cash Management Services

Business Banking at Community Bank & Trust goes beyond the accounts and services that we can offer. It incorporates the personal service that you deserve and expect. As an independent community bank, we can relate to business owners and as a member of the business community ourselves, we understand your needs and challenges.

We recognize your efforts and want to provide you with the financial tools that will help your business succeed. Our cash management experts welcome the opportunity to help your business grow. Let us be your financial partner; ask us for more information on our services!

Trent A. Rammer Cash Management Officer 604 N. Eighth St. Sheboygan Ph. 1-920-459-4444 Contact me

Business Credit Cards

Increase your purchasing power by adding an essential money-management tool to your business services - a Community Bank & Trust Business credit card.

Pay for daily expenses easily without affecting your business' immediate cash flow. Provide yourself with the convenience of a credit card for your business needs and/or consider a corporate card for members of your sales force. More...

Business Debit Cards

Access your business checking account using the convenience of your debit card. Using your Community Bank & Trust debit card, you'll be able to make interest-free purchases from your checking account anywhere that Visa is accepted and you'll have access to your funds 24/7 at ATM's located worldwide.

Your monthly statements will detail your activity, providing you with an effective expense management tool. More...

Coin and Currency Processing

Take advantage of the added benefits available by having Community Bank &Trust provide secure processing and verification of coin, currency and food coupon deposits.

Courier Services

Save time by utilizing our courier services.

We can provide a convenient, secure and consistent method of transporting your cash and deposits, eliminating the need for one of your business employees to make regular visits to the bank.

E-Business Deposit Service

If your deposits are predominately checks, we can help you save time and money when we bring the Bank to you.

Eliminate the need for employee trips to the bank and the related risks associated with transporting checks by using this service. From the convenience of your place of business, you can scan and deposit your checks. You provide the computer, we provide the scanner and the software.

EFTPS (Electronic Federal Tax Payment System)

If you're making or will need to make federal tax payments, let us help. EFTPS offers you the convenience of making your payments electronically 24 hours a day, 7 days a week. This is a safe and convenient option for making your tax payments.

Health Savings Accounts

Health Savings Accounts (HSA) were created to help you manage your health care expenses without risking health care coverage. More...

Lockbox

Concentrate on building your business instead of processing paper. Our lockbox service receives remittances directly from your customers via a Post Office Box and processes them immediately to your account, accelerating the collection and availability of funds. A record of deposit activity is sent to you for your records.

Merchant Services

Expand your business by offering the capability of accepting credit/debit card transactions. By accepting electronic payments, you can increase your average sales ticket, increase your overall sales volume and enhance your customer relations by providing them additional services.

Our merchant card processing service enables your business to accept credit/debit card transactions so that the payments are directly deposited into your business checking account. It is fast, easy and convenient.

Merchant ATM's

Provide cash convenience to your customers and receive revenue for this service at the same time - definitely a win-win situation for a business owner.

We'll help you install and support an ATM in your place of business to add convenience and easy access to cash for your customers and employees. You supply the dedicated phone line, electrical outlet and cash, and we'll do all the rest.

Online Express Banking

Save time and money and improve your funds management by utilizing Online Express for your business banking access.

Available 24 hours a day, 7 days a week, this internet access to your business accounts makes banking convenient and efficient when you need it. Online Express allows you to:

• review account balances
• view detailed account/transaction information
• transfer funds between accounts
• initiate ACH and wire transfer
• place and review stop payment requests
• view check images
• pay bills.

Established with individualized security features, customized parameters for employee access and transfer limits are standard benefits on each account. More...

Payroll Processing

Focus on your business and let us take care of your payroll needs. We offer two services for your payroll - you choose which satisfies your needs the best. Both options provide free debit card access for your employees.

• Direct Deposit of Payroll. Using your internal payroll administrator, eliminate the need to write checks each month by making your payroll deposits directly through ACH (Automated Clearing House) into your employees accounts. It will save you time and ultimately increase your bottom line.
• Payroll Services. Save time and eliminate administrative expenses associated with payroll preparation by transferring all payroll services to our 3rd party provider. Communicate your payroll needs with one phone call or email document each pay period, and we'll help you manage your complete payroll process, including issuing checks, management reports, earnings statements, payroll journals and more.

Positive Pay

Protect your business wherever you can - use Positive Pay as a resource.

Positive Pay is a web enabled check verification service that helps businesses combat check fraud. If you accept checks, this is an excellent resource to help you minimize your check fraud losses.

Sweep Accounts / Repurchase Agreements

Wouldn't you like to know your money is working for you and your business all of the time? A "sweep account" enables you to transfer funds between accounts on a daily basis - maximizing earnings and minimizing interest expenses. With this flexible account your excess money is swept into a higher yield money market account* until it is needed. When needed, it is automatically moved back into your business account.

*The sweep account money market is based upon securities held and is not FDIC insured.