Cash Management Services

John Marshall Bank offers a complete menu of sophisticated cash management services to meet the unique needs of our commercial customers.

Basic Online Business Banking

Manage your company's cash position from anywhere you have access to the internet. This service is free of charge to all of our business checking account customers and includes:

• Real time balance and transaction reporting
• Access historical bank account statements
• View and print check images
• Transfer funds between accounts
• Download transactions to Quicken or Quickbooks
• Flexible security features - strengthen your internal controls by providing different employees with different levels of security access to accounts.

Business Bill Pay

You can sign up for our free Business Bill Pay service from Basic Online Business Banking. This provides you with the ability to pay your employees and vendors online with the flexibility and security of multiple users. You also gain direct access to the Electronic Federal Tax Payment System (EFTPS), providing you with the ability to make online tax payments.

Enhanced Online Banking Services

Enhance your basic online business banking service by adding the following optional services:

• Wire Transfers - Initiate and receive wire transfers online and save on per wire service charges.
• Concentration of Funds - Easily transfer funds from other banks into your JMB account(s).
• Automated Payments and Collections (ACH) - quickly and easily originate electronic funds transfers including direct deposit of payroll, and pre-authorized payment and collection of dues, subscriptions and fees.
• Positive Pay - Protect your business from check fraud by validating checks presented for payment to a file of issued checks. Pay or return checks not matching your file of issued checks at your discretion.

JMB Business Remote Deposit

Make your daily check deposits from the convenience of your office. With an internet connection and a check scanner, you can convert paper checks to electronic deposits that clear your account within 24-48 hours. With our flexible security features, you can enhance your internal controls by providing different employees with different levels of access to the system.

Investment Sweep

Eliminate daily monitoring and transfer of account balances. Earn interest on idle funds safely and easily. Excess balances from your commercial checking account are automatically invested daily into our Repo Sweep Account. We automatically repurchase the underlying US Government or Agency securities daily to meet the funding needs of your checking account transactions. Our Repo Sweep Account is not FDIC insured, but represents an overnight investment in a US Government or Agency security held in the bank's investment portfolio.

Zero Balance Accounts (ZBA)

Simplify your cash management by linking disbursement and collection accounts to a master concentration account. Funds are automatically moved from collection accounts to the concentration account; and from the concentration account to fund disbursement accounts.

Merchant Services

Through our partnership with Alliant Merchant Services, we provide you with access to all major card networks for all credit and debit card processing, including:

• Complete point-of-sale merchant services
• Processing of all major credit cards
• Competitive pricing

Fees

Please refer to our current fee schedule for our cash management service charges. Fees may be paid with account balances by using our Commercial Checking Account. We would be happy to analyze your projected account activity and estimate the checking account balances required to avoid service charges. Ask one of our Business Bankers for details.