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Cash Management Services

 At Cathay Bank, we are committed to meeting your company's unique needs

Our Cash Management Services provide cutting-edge solutions to businesses of any size. They are designed to enhance cash flow, optimize use of funds while maximizing funds availability, reduce costs and streamline reporting. Our Cash Management Services can help you meet the financial goals and strategic objectives of your business.

Our broad range of Cash Management Services designed to maximize convenience and opportunity, includes:

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Our team of experts will work with you to design a customized solution for your working capital that enhances funds availability, improves decision making and increases productivity.

We look forward to working with you to grow your business!


MERCHANT DEPOSIT CAPTURE SERVICE

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Enjoy the convenience of remotely making deposits from your business location(s) with Cathay Bank’s Merchant Deposit Capture Service

Merchant Deposit Capture is a service which allows you to scan checks and transmit the scanned images to the bank for crediting and clearing. Checks are scanned and a digital deposit is created. This digital deposit is then transmitted over an encrypted Internet connection to Cathay Bank for deposit to appropriate account.

This innovative Cash Management Service has many benefits including:
  • Increased cash flow as a result of expedited processing
  • Reduced trips to the bank or eliminating the cost of a courier
  • Consolidated deposits from multiple locations into a single bank account
  • Accelerated same-day deposits with extended processing time; there are deadlines involved in getting same-day deposit

For more information, please contact your local branch.

ZERO BALANCE ACCOUNT

       

Put excess funds to work with our Zero Balance Account

Zero Balance Accounts (ZBAs) are designed to help eliminate manual transfers of funds between accounts, reduce idle cash and prevent overdrafts. At the end of each business day, funds are automatically transferred from the master account of a business into its ZBA account(s) in the exact amount(s) needed to cover disbursements. ZBAs simplify funds transfer activity and help maintain account autonomy. They're especially useful for funding multiple disbursement accounts on an "as needed" basis.

ZBAs may also be used to automatically move deposits from one or more depository accounts into a related master account. This allows consolidation of all of the bank balances of a business and creation of one pool of funds from which to determine the daily cash position and optimize investments.

  • Improve cash flow by eliminating idle balances
  • Maintain control of multiple accounts by funding them through a single, centralized account
  • Eliminate time spent on manually funding subsidiary accounts
  • Save clerical time and expenses
  • Maximize funds available for investment and minimize risk of overdraft fees
  • Excess funds in the central operating account can be invested to increase returns and maintain liquidity

For more information, please contact your local branch.
 

LOCKBOX SERVICE

 

Accelerate receivables processing with our Lockbox Service

To maximize cash flow and investment opportunities, Lockbox Service can provide an efficient and cost-effective way to collect payments from customers. Cathay Bank’s Lockbox Service can help accelerate the collection process and maximize cash flow via streamlined remittance processing.

  • Speedy and convenient access to critical information from paper receivables
  • Improve staff productivity due to the automation of manual processes
  • Advanced image services virtually eliminates paper by delivering checks and related documents via CD-ROM or online
  • Reduce mail receipt and receivables processing time
  • Improve check clearing and cash flow by minimizing float
  • Increase profitability through the improved cash flow
  • Speed up and improve deposit reporting, exception processing, and credit research

For more information, please contact your local branch.
 

MERCHANT BANKCARD SERVICES

Grow your business with Merchant Bankcard Services offered by First Data through Cathay Bank

Increase your sales volume by expanding your customers' payment options, simplify your business operations, and increase revenue with Merchant Bankcard Services. Our card processing solutions enable your business to accept credit cards, debit cards, electronic checks, gift cards, and other payment options.

  • Direct deposit of your sales transactions into your business checking account
  • Competitive rates
  • 24-hour customer service and technical support
  • Within 24 hours, funds are settled
  • Expert monitoring and charge-back protection
  • Check verification and warranty services
  • State-of-the-art equipment and software for card processing
  • Real-time, web-based reporting capabilities
  • Electronic Check Conversion allows you to accept checks at the point of sale and convert those items to ACH debit or image exchange items, as direct deposit to your account

For more information, please contact your local branch.
 

COURIER DEPOSIT SERVICE

Eliminate trips to the bank with our Courier Deposit Service

Our Courier Deposit Service maximizes banking convenience by picking up check deposits at place of business and delivering them directly to the nearest Cathay Bank Branch, allowing more time to focus on business.

  • All deposits received prior to our daily processing deadline receive same-day ledger credit
  • Our courier schedule can be customized to meet the specific business needs

For more information, please contact your local branch.
 

ARMORED TRANSPORT SERVICES

Our Armored Transport Services improves your cash flow and your peace of mind

With Armored Transport Services, your cash deposits are picked up by armored carrier and posted to your account for that day.

  • Eliminate the risk of transporting cash to the bank
  • Reduce clerical costs
  • Improve productivity by reducing time away from work
  • Improve cash flow by accelerating funds availability

For more information, please contact your local branch.
 

CASH VAULT SERVICES

Maximize control of your cash with our Cash Vault Services

For businesses that handle large amounts of coin and currency activity, Cathay Bank's Cash Vault Services is essential. Our Cash Vault Services provide the flexibility, security and efficient cash acceleration to keep your business running smoothly.

  • Reduce exposure to loss or theft
  • Expedite depositing and processing of funds to maximize availability
  • Optimum cash acceleration

For more information, please contact your local branch.


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1-800-9CATHAY

(1-800-922-8429)

Customer service: 6:00 a.m. - 6:00 p.m. Pacific Time, Monday through Friday.

Automated information is available 24hours a day, 7 days a week.

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