Take care of business with confidence
Run your cash flow like clockwork, from payments to deposits and everything in between.
Benefits You'll Love
- Variety of services for any business transaction
- Make deposits, payments, direct deposit, and more
- Improve timeliness and accuracy
Deposit checks directly from your office with a simple scanner — so you can spend less time making branch visits and more time growing your business.
- Deposit checks from the convenience of your office
- Utilizes a desk scanner and internet access
- Simply sign, scan, then send checks to the bank for processing
- Deposit checks from your mobile device with the treasury mobile app
- Checks converted to an electronic image that is then securely transmitted to the bank
- Streamline check handling from multiple offices or locations
- Saves time; the whole process can be done in a matter of minutes
- Reduce time and money spent on document preparation and transportation
- Fewer errors in accounting
- Reduce the risk of check fraud by eliminating the circulation of paper checks
Simplify the process of making payments and collecting receivables with our ACH origination service.
- Conduct a number of payments electronically:
- Make vendor payments
- Debit and credit originations
- Transfer funds between your Keystone Bank accounts and accounts at other U.S. financial institutions
- An up-to-date record of transactions is available via online banking or account statements
- Schedule one-time or recurring payments
- Efficient and accurate processing, providing more visibility to your cash position
- Increase productivity by automating processes
- Increase accuracy; reduces human error
- Eliminates wastes and expenses associated with paper checks
If ACH services require underwriting, services will be subject to credit approval.
Take advantage of Same Day ACH processing for your Payroll or Business-to-Business payments. This expedited ACH process will ensure your ACH credits are received the same day you originate them.
- Excellent solution for hourly employee, bonus, and emergency payroll payments
- Faster business-to-business payments to speed up purchases and shipments
- Expedited business-to-consumer payments for transactions such as insurance payouts
If ACH services require underwriting, services will be subject to credit approval.
Save time and money using our online wire origination service for all your wire request needs. With just a couple clicks, you can create and approve wire requests from anywhere.
- Create one-time or recurring wire transfers
- Receive real-time email alerts and Online Banking confirmation information
- Ensure same-day credit to your recipients
- Eliminate calls and bank visits for wire requests
- Save money — online wire origination fee is less than fee for in-bank requests
Directly deposit employee payroll with the click of a button.
- Ensure your employees are always paid on time
- Increase employee retention and satisfaction
- An up-to-date record of transactions is available via online banking or account statements
- Efficient and accurate processing, providing more visibility to your cash position
- Cut down on employee resources and time
Idle money does nothing for your business. Put it to work — and maximize every penny.
- Account Sweeps:
- Designate a target balance on your primary checking account to transfer excess funds into another business account
- Transfer funds into your business accounts to eliminate overdrafts
- Ideal for businesses with multiple divisions, practices, or operating units
- Keep your money working for you, automatically
- Line of Credit (Loan) Sweeps:
- Transfer funds into your business accounts to eliminate overdrafts
- Pay down your line of credit using excess deposit balances in your account
Positive Pay is a fraud prevention tool that detects any unauthorized checks or electronic transactions attempting to clear your account. Simply upload your check register into Positive Pay and the system will use it to verify the items presented for payment. Positive Pay validates four key items on your check: Date, payee name, amount, and check number. In the event one of those items is altered, we will notify you and allow you to either pay or reject the item.
- Protect your business against altered and unauthorized check and ACH transactions
- Provides an additional layer of protection against fraud
- Save time reconciling account statements
Your customers send check payments to a secure PO Box that we check daily. Your checks are scanned, including the remittance forms, and deposited into your account. Lockbox Services are designed for businesses with large check volumes such as energy-related companies, municipalities, property management, medical practices, and nonprofit organizations.
- Leverage banking relationship to assist with your day-to-day operations
- Eliminate deposit preparation and delivery to the bank
- Minimize the expense of receiving and processing check payments
- Custom payment files available for input into your account system
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (<$100M)
Term | Rate | APY |
---|---|---|
3 months | 0.80% | 0.80% |
6 months | 1.75% | 1.76% |
12 months | 2.00% | 2.02% |
18 months | 2.50% | 2.53% |
24 months | 2.75% | 2.78% |
36 months | 3.00% | 3.04% |
48 months | 3.15% | 3.20% |
60 months | 3.25% | 3.30% |
Certificates of Deposit (>$100M)
Term | Rate | APY |
---|---|---|
3 months | 0.80% | 0.80% |
6 months | 1.80% | 1.81% |
12 months | 2.00% | 2.02% |
18 months | 2.55% | 2.58% |
24 months | 2.80% | 2.84% |
36 months | 3.05% | 3.09% |
48 months | 3.20% | 3.25% |
60 months | 3.30% | 3.35% |
Kasasa Cash*
Tier | Interest Rate | Annual Percentage Yield |
---|---|---|
0 - $50,000 | 5.84% | 6.00% |
$50,000+ | 0.50% | 2.33% to 6.00% |
Qualifications not met | 0.05% | 0.05% |
Qualifications
Earning your rewards is as simple as using the free services that come with your account. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases, each greater than $3.49
And if you don’t meet your qualifications during a cycle, your free account will still earn our base rate. Then you can get back to earning your full rewards the very next month.
Kasasa Saver*
Tier | Interest Rate | APY |
---|---|---|
0 - $100,000 | 3.93% | 4.00% |
$100,000+ | 0.50% | 2.25% to 4.00% |
Qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 12 debit card purchases, each greater than $3.49
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Money Market (Commercial)
Tier | Rate | APY |
---|---|---|
$0 - $99,999 | 0.225% | 0.225% |
$100,000 - $249,999 | 0.325% | 0.325% |
$250,000+ | 0.45% | 0.45% |
Money Market (Consumer)
Tier | Rate | APY |
---|---|---|
$0 - $99,999 | 0.225% | 0.225% |
$100,000 - $249,999 | 0.325% | 0.325% |
$250,000+ | 0.50% | 0.50% |
No Penalty CDs
Term | Interest Rate | APY |
---|---|---|
13 months | 0.35% | 0.35% |
Savings Accounts
Account | Rate | APY |
---|---|---|
Basic Savings | 0.35% | 0.35% |
Basic Business Savings | 0.35% | 0.35% |