Cash Management Products

ACH Origination Services

Imperial Capital Bank customers can enjoy the convenience of using the ACH (Automated Clearing House) network to make several types of payments. All transactions are fully automated and processed electronically. On the settlement date, funds are transferred between your Imperial Capital Bank account and the receiver's account. By using ICBizbanker Online, you can quickly access the ACH network and use it for a variety of financial needs.

You can use ACH payments for:

• Direct Deposit of Payroll
• Commission and Corporate-to-Corporate Payments
• Company Benefits
• Travel & Entertainment Reimbursement

Here's How It Works:

Through ICBizbanker Online

ACH services are available 24/7 through ICBizbanker Online.

Clear, easy-to-follow screens, each designed for a different type of payment, guide you through every step. You authorize which individuals have online access and set appropriate entitlements - such as dollar limits for transactions. You'll also be protected by 128-bit encryption technology.

In addition; as part of our online ACH service, you can significantly reduce the amount of time needed to input information for transactions made on a recurring basis through options in our online service.

From A Third-Party Vendor

Some customers, especially those using ACH for direct deposit of payroll, will use third parties to prepare and transmit ACH instructions directly to Imperial Capital Bank. The flexibility of Imperial Capital Bank's ACH Origination Services allows them to choose the delivery option that best fits their business operations.

ACH Origination benefits:

• Less expensive than wires
• Can process batch transactions available in standard NACHA format.

Lock Box Service

Managing incoming checks can often be a challenge for a business. Imperial Capital Bank's Lock Box Service eliminates in-house processing of receivables and reduces check-clearing time. Customizable to your specific processing needs, it can help your business improve cash flow and reduce collection float. Imperial Capital Bank's Lock Box Service can also help your company minimize mail delays, accelerate availability of funds and expedite reporting of account receivables.

Here's How It Works:

• Imperial Capital Bank collects payments mailed to a designated post office box, processes them according to your specifications and deposits the payments directly into your account.
• For credit card payments, Imperial Capital Bank performs authorization and settlements on the transactions.*
• You'll receive a daily remittance package with copies of all checks, invoices, original envelopes and other contents.
• You may also choose to receive detailed information electronically via direct transmission to your accounts receivable system. If you are unable to receive the electronic transmission, we offer the same information on a disk, fax or paper report.

Lock Box benefits include:

• Imperial Capital Bank uses a unique ZIP Code priority sorting and picks up mail at the post office several times a day.
• Customized processing is available, including special sorting, date stamping and courier delivery service.
• Detailed listing of daily credit card transactions is included in the remittance package via fax.
• Availability of funds is maximized, mail float minimized.
• Clerical costs associated with the processing payments is reduced.
• Improved cash flow means your money is in the bank, not at your desk.
• Accurate processing achieves improved audit control.
• Your customers have an additional, convenient payment method.
• Credit card processing is accelerated.*

* Subject to geographic availability

Account Reconciliation Services

Let us take on the drudgery of account reconciliation, so no one in your business has to waste valuable time reconciling accounts manually. Through ICBizbanker online, we can help you bank more efficiently.

We Make Your Plan Fit Your Business

Here are some of the services offered through our online Account

Reconciliation Program:

• Check sorting into serial number or dollar amount order.
• Paid-item-only reports to help you identify outstanding items more quickly. You'll receive a list of paid items in numerical sequence - including dollar amounts, paid dates and serial numbers - every accounting period. You may receive those items via paper or electronic transmission.
• Full reconciliation plans provide you with a listing of paid and outstanding checks during a given period. At designated intervals - daily, weekly or monthly - you send us information on issued checks via data transmission, and we'll match the serial numbers and dollar amounts to checks presented for payment.
• Positive Pay reduces the threat of fraud. You can match checks you have issued against checks being presented to your account for payment. This will identify any checks that do not match.

Reconcile Your Accounts Accurately

Imperial Capital Bank offers one of the most comprehensive account reconciliation systems available today. We use leading industry software so we can give you superior service, flexible input and output methods, and timely turnaround. We'll help you keep your accounts in perfect order. To find out more, contact us today!