Private Bank > Cash Management


ACH Origination

ACH Origination provides the mechanism to create electronic transactions, both collections and payments, with ease! Authorized customers are provided login credentials to our secure website where they can manage electronic payments and receipts, thereby eliminating check writing, float, and waiting for checks to arrive by mail. Best of all, cash flow cycles become more predictable, thereby reducing stress and allowing you to focus on managing your business.

ACH Origination provides an alternative to wire transfers with two distinct differences:

  • Generally speaking, wire transfers settle same day, whereas ACH transactions settle next day.
  • Wire transfer costs tend to be significantly higher than ACH Originations costs.

Quail Creek Bank's ACH program will help your business optimize cash flow, improve accuracy and collections, increase customer satisfaction, and save time and money.

Common uses of ACH Originations:

  • Direct deposit of payroll
  • Expense reimbursements
  • Collection of dues
  • Collection of accounts receivable
  • Payment of accounts payables
  • Check by phone


EDI Reporting Services

EDI, or Electronic Data Interchange, refers to the payment details which accompany many electronic payments. These details often include crucial information needed to accurately post accounts receivable payments. Authorized customers receive e-mail notifications when payment details become available, often prior to receipt of the funds. EDI offers customers the ability to log onto the Federal Reserve database and directly download information at their convenience, 24 hours a day, 7 days a week.

Common uses of EDI Reporting Services:

  • Government contractors
  • Large corporations that require their vendors to accept ACH settlements
  • Medical professionals



CDARS (Certificate of Deposit Account Registry Service) provides an excellent alternative to managing multiple accounts at several financial institutions in an effort to remain fully FDIC insured. CDARS benefits include:

One Bank

Sit back, relax, and let us do the work! Following a brief interview to identify your financial preferences and needs, Quail Creek Bank will divide your excess cash into smaller amounts and place it with various other financial institutions which participate in the CDARS Network. Each of these financial institutions will issue CDs on your behalf, providing you with fully FDIC-insured deposits. By working directly with your personal representative at Quail Creek Bank, you can receive insurance through many financial institutions!

One Rate

Once you select a CD term (e.g., six months, twelve months), the rate for all CD's issued at that term are identical, thereby eliminating multiple rate negotiations with each financial institution.

One Statement

Best of all, you'll receive one consolidated statement listing all of your CDs, along with their issuing banks, maturity dates, interest earned, and other details. With CDARS, there's no hassle and no more track changing collateral values on an ongoing basis.



ICS, or Insured Cash Sweep, provides the same great FDIC coverage as CDARS with the flexibility of withdrawing funds!

Product Benefits:

  • Deposits are fully FDIC insured
  • Earn a return on excess funds without the worries of paying early withdrawal fees
  • Optional online access to your account, 24/7
  • Flexibility to withdraw funds up to six times per month
  • Save time by working with Quail Creek Bank instead of hassling with multiple banks
  • One easy-to-read statement containing information about all of your accounts

By working directly with just one bank, the bank you know and trust, you can obtain protection through many. Plus, you receive one monthly statement. It's that simple.

Health Savings Account

Health Savings Accounts, also called an HSA, is a tax-exempt or custodial account used to pay qualified medical expenses. These accounts are designed to allow eligible individuals a tax-deductible method of saving money for the payment of unreimbursed qualified medical expenses. In addition to tax-deductible contributions, interest earnings and distributions are tax-exempt too. Be sure to consult a tax professional for further information or visit and type "HSA" in the search box for further information.

Individuals must meet certain IRS eligibility requirements in order for these accounts to be tax-exempt. These requirements are summarized below:

  • Your current health care plan is identified as a high-deductible health plan (HDHP); AND
  • You are not currently covered under any other health plans; AND (certain exceptions may apply - see IRS guidelines for further information)
  • You are not enrolled in Medicare; AND
  • You are not claimed as a dependent on another individual's tax return.

You, your family members, or your employer can make contributions into your HSA up to the IRS annual limit. These limits change each year so consult your tax professional or for further information.

As an employer, if your health care plan is identified as a high-deductible health plan (HDHP), you might consider providing an HSA contribution benefit to your employees. Quail Creek Bank can help by setting up HSAs for your employees, which you, or your employees, can make contributions to up to the annual IRS maximum. Contact us today for further information!

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Lockbox Processing

Are you tired of opening your mail, sorting out the checks, standing at the copier, writing out your deposit slip, and driving to the bank? Or perhaps you need a third-party control in your accounts receivable department? We have the perfect answer: Quail Creek Bank Lockbox Processing! Allow us to pick up your mail, work through the tedious and time-consuming process of your daily deposit, and simply inform you of the total money deposited into your account each day.

With Lockbox Processing, payments to your company are routed to a post office box where they are collected and processed by our bank staff. Each payment is deposited the same day, and all checks and accompanying documents are imaged and available for viewing and download from our lockbox web portal. Quail Creek Bank will work with you or your staff to build custom reports, tailored to fit your needs and containing only those payment details important to you. Contact Erin today for further details!

  • Lower-cost alternative to traditional accounts receivable handling
  • Accelerates cash collections
  • Enhances internal controls by providing separation of duties
  • Improves efficiency
  • Web-based access to imaged documents, thereby eliminating paper handling and storage
  • Custom reports at your fingertips
  • Data extract capabilities which allow for automation of payment posting processes


Merchant Services

Merchant processing, or credit card acceptance, is a must with consumers' dependence upon the convenience of debit and credit cards today. Quail Creek Bank can help set up your business to accept cards for the first time, or transition you from another processor. Through our partnership with a local processor, we can be your primary point of contact and save you the hassle of calling 800 numbers, waiting on hold, and dealing with a different person each time you call. Allow us to help you accept Visa, Mastercard, and Discover cards to boost your collections and improve your cash flow!

Electronic Data Capture

Electronic Data Capture (EDC) provides merchants the ease of swiping or key-entering card information through a convenient terminal to process credit and debit card transactions. Funds will be deposited within two business days after settlement. Terminals are available for lease or purchase at affordable prices through Quail Creek Bank. Your existing terminal may also be reprogrammed at your convenience. Call or e-mail us today to get started!

Dial Pay

With Dial Pay, merchants can use any touch-tone phone (including cellular) to authorize, capture, and settle credit and debit card transactions. Transactions are automatically settled nightly, and funds will be deposited within two business days after settlement.


PC Software

PC Merchants are able to use personal computer software to capture and transmit transactions. Software is available for sale, or if you already own PC capture software, please contact us to ensure compatibility with our processor.



Web-based processing of card transactions is easy using a virtual terminal. Security features include unique login credentials, 128-bit encryption requirements, and multi-factor authentication methods. This multi-user system for larger companies offers batch processing, file uploads, and recurring payments, providing significant efficiencies when dealing with lots of transactions.

We also offer a processing interface to existing payment gateways such as

Positive Pay

Have you been a victim of check fraud? If not, consider yourself lucky! Unfortunately check fraud is on the rise. But Positive Pay is the best way to ensure that your checks are valid when they arrive at the bank for payment. With Positive Pay, Quail Creek Bank will ensure that your checks arrive at the bank exactly how you issued them before we pay them, effectively stopping the payment of any unauthorized checks.

Positive Pay will detect counterfeit checks, altered checks, unauthorized checks, voided checks, and stale-dated checks.

With Positive Pay, Quail Creek Bank compares check data provided by your business with the information appearing on checks when they arrive for processing. In the unfortunate event that information does not correspond accurately, our staff will contact your business immediately. Our experts will work with you to set up easy check data transfers, allowing us to assist in protecting your business from check fraud.


Remote Deposit Capture

Are you tired of making that daily dash to the bank to deposit your checks? Is standing at the copier making copies of all of your checks frustrating you? Remote Deposit provides you the ability to make deposits from the convenience of your office, 24 hours a day, 7 days a week, and will provide you with images of all your deposits. No more trips to the bank, fighting rush hour traffic, and standing in line!

  • Convenience - no more daily trips to the bank
  • Make deposits right from your desktop using a bank provided check scanner
  • Reduce the risk and expense of transporting checks
  • Email confirmations and detailed reporting options
  • Streamlines operations by eliminating deposit slips and the copying of checks
  • Centralization - allows for deposits to be made from various locations
  • Improves cash flow by getting checks deposited faster and collected sooner
  • Twain-compliant scanners can be used for lower volume depositors

Onsite training and installation provided by our expert staff.

Sweep Investment Accounts

Sweep Investment Accounts allow you to maximize your earnings on idle cash balances but allow you to keep those same funds available for daily cash needs. Sweep Investment options vary from traditional in-house money market accounts to third-party investment products managed through Federated Investors. The Sweep Investment Account is ideal for customers who have volatile cash positions which may be available for overnight investing, but must remain fully liquid to support business operations.

  • Ability to maximize earnings on idle funds
  • Ability to earn a competitive return on investment
  • Maintains liquidity
  • Fully automated, thus eliminating hands-on daily cash management


Wire Transfers

Domestic Wires

Whether you need to wire money to a business associate across town or across the country, Quail Creek Bank can accommodate your same-day domestic wire transfer needs. Authorized individuals can initiate wires in person, via phone, or online once appropriate security procedures are in place. Contact us today to establish wire procedures according to your needs.


International Wires

Initiate payments from your Quail Creek Bank accounts to destinations around the world in a matter of minutes -- securely, accurately and conveniently. We can accommodate wires in US dollars and most foreign currencies. Authorized individuals can initiate wires in person or via phone once appropriate security procedures are in place. Contact us today to establish wire procedures according to your needs.

Special Services


Courier Services

Quail Creek Bank Courier Service offers customers the convenience of having a bank employee pick up deposits or documents at their place of business and deliver those items to the bank on their behalf.


CD/DVD Statements

CD Statements allow customers to more efficiently store bank statements and check images on a small, easy-to-use CD or DVD.

Product Benefits:

  • Elimination of paper storage
  • Fully searchable and easily accessible data
  • Easy printing of all or individual check images
  • A secure way to store important account information

Contact Us

Call Us: (405) 242-2853

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