Solutions & Services

Payments/Deposits

Increase deposit growth and compete more effectively in and out of your market. Ramp up your business banking offering with Digital Insight's online payment and deposit solutions - Business Bill Pay, ACH Origination, Wire Transfers, Remote Deposit Solutions and Tax Payment Service.

Business Bill Payment

Bill Payment is an easy and convenient method for your business users to pay bills online. Businesses can take advantage of the ability to attach relevant invoice information to payments to further automate the accounts payable process and to make their business run more smoothly. Business users are able to define payees and schedule single and recurring payments. Product administration features include adding and deleting bill pay users, running usage reports and applications editing through the Admin Module.

ACH: Help business clientele make electronic fund transfers with ease. Payroll, vendor, collections, or cash concentration, ACH saves time with secure, online transfers.

Wire Transfers: Offer business users a way to initiate and monitor incoming and outgoing domestic and international wire payment activity. Features are customized to suit clients' unique needs, from large payment batches to a handful of transactions.

Benefits for your financial institution:

• Attract, retain and build loyalty with business clientele
• Ease funds management and increase deposit balances
• Solidify your reputation as a cutting-edge technology provider
• Maintain your competitive edge

Benefits for your business users:

• Saves valuable time through the ease of payee set-up, payee sorting, and scheduling payments and transfers in just a few clicks
• Provides a convenient single sign-on user experience through the integration with our Business Banking platform
• Reduces risk

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Remote Deposit Solutions by ProfitStars

Remote Deposit Solutions is a Web-based check image capture, storage and processing solution designed for the commercial segment. Now you can provide your commercial customers with the ability to deposit paper checks of all types electronically via a certified scanner attached to Windows-based PCs giving them access to funds sooner and improving their working capital.

Benefits for your financial institution:

• Provide opportunities to increase fee income
• Expand your footprint
• Increase deposit balances
• Strengthen and consolidate existing and new business banking relationships
• Maintain a competitive advantage against other financial institutions

Benefits for your business users:

• Ability to process any type of check
• Automatic CAR / LAR in lieu of key entry
• MICR Repair
• Email Alerts
• Faster access to funds
• Multi or single check scanning
• Convenience
• Ease of reporting with multiple export types including QuickBooks

Tax Payment Service

The Tax Payment Service makes it easy to process compliant tax payments and supporting addenda records via the ACH network.

This service facilitates the transmission of National Automated Clearing House Association (NACHA) formatted files to the financial institution. The files are processed through an ACH origination system, which supports additional validations, risk management and creation of files for transmission. The ACH origination system may be in-house or outsourced to a third party.

Benefits for your financial institution:

• Introduces a new source of income
• Features pre-defined tax forms that support all state tax payments
• Supports local/municipal tax payments and several industry tax forms such as Child Support Payments
• Meets state and agency form requirements and compliance is managed by Digital Insight
• Reduces financial institution data storage; warehousing option holds approved batches in the database until time for processing

 

Benefits for your business users:

• Faster payment delivery of tax payments
• Pre-defined tax forms make input easy and allow businesses to make tax payments for any state necessary; great for businesses that transact in multiple states
• Convenience of managing all payments online
• Easy-to-use tax templates: Detailed specifications for each state and federal tax entity with addenda templates minimize the risk of creating invalid tax payments
• Streamlined data management
• Multi or single check scanning

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