Cash Management for Businesses

Golden Valley Bank offers a comprehensive range of cash management solutions for small businesses to help you optimize cash flow.

  

Convenience

Safe and Secure

Simple and Easy to Use

Guidance when you need it

 

Merchant Services

Make One Stop Payment Processing a Reality

Simplify your payment processing with Heartland, our local Merchant Services Provider. Expand your company's payment acceptance options with an extensive portfolio of products designed to help you get more value from every transaction.

Golden Valley Bank Merchant Services allows businesses to accept all forms of non-cash payments quickly, securely and cost-effectively.

Payroll

Heartland Payroll Program

A complete all in one payroll program. Heartland Payroll helps with job listings, hiring, employee handbooks and compliance, payroll processing and direct deposit.

  • Payroll processing
  • POS integration/timekeeping (labor management)
  • HR solutions
  • Applicant tracking
  • Tax credit screening
  • Electronic onboarding

eDeposit (Remote Deposit Capture)1

Manage your bank deposits on your schedule.

Conveniently make deposits, and save yourself a lot of time-without ever leaving the office.

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Wire Manager2

Save time by submitting Domestic or International wire transfers remotely.

  • Receive confirmation and alert emails
  • Establish Dual Approval
    • Set limits and restrictions on employees access
  • View and approve wires on your Business Mobile App4

ACH Manager3

ACH Manager allows you to create electronic payments and collections. It's the cost-effective way to handle routine transactions such as vendor payments, collection of dues and payroll.

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Positive Pay

Fraud Prevention

Reduce Your Risk of Check & ACH Fraud. Protecting your business from potential check and electronic transaction fraud is easier now more than ever with our Positive Pay services.

Check Fraud Detection

The system matches checks presented for payment against a list of checks your company inputs in the system. Checks that are not in the list of authorized checks are presented as an exception to allow you to pay or return.

ACH Fraud Detection

You create rules for electronic items to alert you to potential fraud. Items that do not meet the rules are presented as an exception to allow you to pay or return.

Check & Account Reconciliation

Account reconciliation tools provide a quick way to reconcile your accounts enrolled in Positive Pay. Additional tools for check reconciliation are provided to list the checks that are outstanding, paid or issued.

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Reporting

A variety of reports are available in various formats.

  • Any business can utilize Positive Pay
  • No software is needed
  • Access Positive Pay through Business Online Banking
  • Identify potential fraud items quickly preserving your funds

 

1 Subject to approval. Transaction fees may apply. Cutoff time is 5:00 PM PST.

2 Wire Fees: Fees will apply for outgoing and incoming wire transfers. Please speak with a bank representative for additional information or refer to the Business Online Banking Service Agreement and current Fees and Charges schedule.
Outgoing Wire Cut-off Times:

• Domestic Wires Initiated by a Bank Employee: 2:00PM PST
• International Wires Initiated by a Bank Employee: 12:00PM PST
• Domestic and International Wires Initiated through Business Online Banking: 12:00PM PST

Outgoing wire transfers initiated after the cut-off times or during weekends or Federal holidays will be effective the following business day. Outgoing wire cut-off times subject to change.

3 Subject to approval. Transaction fees may apply. Cutoff time for Same Day ACH is 11:15 AM PST.

4 Data and text messaging charges from your mobile carrier may apply.

Not sure where to begin?

Our Switch Kit will help you get started on your new accounts! We will be with you every step of the way as you transition to Golden Valley Bank. Talk to a Relationship Banker today.

Business Switch Kit Visit FAQ