Regardless of size, all companies have cash flow management
needs. Effective management of your business's funds
is critical in today's competitive environment. Chinatrust
Bank (U.S.A) provides your business with a full range
of tools to maintain better control over your cash flow
and to streamline your day-to-day cash management needs.
We can help you increase the productivity of your cash
by receiving timely account information, collecting
customer payments faster and maintaining control of
payments to your suppliers and employees. We combine
the speed of innovative technology with highly customized
services, many of which are available on the Web for
even greater convenience. Click on
the links below to learn more.
and Collection Services
Other Cash Management
and Collection Services
ACH Payments- Initiate Automated Clearing
House credits to domestic consumers or commercial recipients.
It eliminates the hassle of handling paper checks by
conducting your transactions quickly and cost-effectively
via direct mainframe data or PC transmission.
Wire Transfer - Initiate domestic
wire transfers quickly and easily.
Payroll - Use ACH service to originate
employee wages directly into their checking account.
It reduces the cost of cutting, mailing and tracking
Tax Payment - Pay your state and federal
tax securely and conveniently through ACH.
Electronic Bill Pay – Make electronic
payments to your vendors by crediting their accounts.
Reduce costs associated with writing checks and control
the settlement timing on payables.
Zero Balance Account (ZBA) - Allow
you to link multiple disbursement accounts to your company’s
master account, giving you efficient and centralized
use of available funds.
Lockbox/Online Lockbox - This efficient,
cost-effective system acts as a processing house for
your receivables. It reduces mail processing and collection
float, accelerates your cash flow and optimizes funds
Commercial Cards - We partner with
First Bankcard, a division of First National Bank Omaha,
to offer business credit cards to our customers, a flexible
and cost effective way to manage your business expense.
Merchant Payment Services - Accelerate
your deposits and give your customers a convenient payment
option. Accepting credit and debit cards increases sales,
improves cash flow, and reduces check losses.
Business Internet Banking
- View account activity, balances and statement online
- View detailed transaction history and download
information to your accounting software packages or
- Spreadsheet formats (i.e.: Quicken or Microsoft
View images of your paid checks online
- Transfer funds between accounts
- Pay bills online
- Issue stop payment requests online
- Receive email alerts
- Send text files (e.g. ACH files) to the bank through
a secure electronic channel
- Order currency
- Re-order checks
- Account Reconcilement
iAccount (¥x°Ó³s³q±b¤á) - iAccount is ideally
designed for those U.S./Pacific-based SMEs which have
headquarters in Taiwan, manufactory in China or Southeast
Asia, or/and products sold to USA and Europe. With many
international cash management functions, it is capable
of aggregating more than 22 Chinatrust affiliate and
subsidiary accounts through Chinatrust Taiwan Net Banking.
Chinatrust customers are able to view account balance
and conduct transactions between their related accounts
with CTCB Taiwan, CTCB Hong Kong, CTCB Vietnam, Bank
Chinatrust Indonesia and/or CTBUSA.
& Sweep Services
Investment Sweep – Automated
link between your business checking account and an investment
account to maximize earnings on your idle funds.
Savings Sweep - A convenient cash
management tool that allows you to maximize earnings
on your savings account. It automatically sweeps excess
funds between an interest-bearing savings account and
a Chinatrust business checking account.
Commercial Loan Sweep - Provides automatic
transfers between a commercial line of credit and a
linked checking account.
Cash Management Services
Courier Pickup and Armored Car
Services - Fast, accurate and secure handling
of your coin and currency needs.
Analyzed Business Checking
- It optimizes your combined balances by generating
an earnings credit that may be used to offset all or
a portion of analyzed monthly service charges.
Speed, efficiency and
cost-savings are the cornerstone of Chinatrust Cash
Management Services. Set your business apart from your
competitors by taking advantage of our innovative cash
management services. For more information, call us at
408-873-3280, ext. 108. Our experienced cash management
specialists are ready to help you create customized
solutions to enhance your cash flows and take your business
to the next level.