Treasury Management Services

Cape Cod 5 offers a comprehensive suite of products to help manage your cash flow

We provide a variety of tools that streamline the management of cash as it flows in and out of your business. Cape Cod 5 will help you choose the ones best suited to your business, then continue to offer both personal and ongoing support.

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Cash Collection & Concentration

Simplify the collection of funds from all your accounts, your customers, and other income streams.

ACH Collections

With the Automated Clearing House (ACH) service, your customers' regularly scheduled payments can be electronically deposited to your Cape Cod Five checking account automatically. The ACH service can save you time and money collecting accounts receivable. It will also reduce costs related to bill preparation and deposit processing, as well as allow you to easily consolidate your funds held at other banks.

Cash Concentration

If you have multiple locations and accounts at different banks, Cash Concentration allows you to maintain convenient local banking relationships while taking advantage of a centralized corporate account. You'll find it easier to use your cash for investments, debt reduction or working capital.

Merchant Services

Cape Cod Five can help you set up efficient credit card services quickly and easily, including timely customer support. We offer the latest in equipment, systems and service designed to help your business capitalize on the tremendous growth in credit and debit card sales volume.

Remote Deposit Capture

Remote Deposit Capture allows you to scan checks and transmit scanned images to Cape Cod Five for posting and clearing. The basic requirements for this service are a PC, an internet connection and a check scanner. Checks you receive at your location can be scanned to create a digital deposit. This digital deposit is then transmitted over an encrypted internet connection to Cape Cod Five for clearing and posting. 

Investment & Cash Utilization

Effectively putting your cash to work is an important aspect of running a successful business. It's getting the most out of your cash reserves every day. Cape Cod Five offers a number of services that can help with this.

Sweep Accounts

Cape Cod Five offers you the opportunity to automatically sweep money, based on predetermined thresholds, to and from your checking accounts and an overnight repurchase agreement that generates income.

Line of Credit Sweep

If your operating balances fall below a specified level, in order to maintain your desired balances, funds are advanced from a prearranged Cape Cod Five Line of Credit. And conversely, excess balances in your checking accounts can automatically be used to pay down your Line of Credit loan balance.

Internal Transfers

With Business Online Banking you can instantly move funds between your Cape Cod Five accounts with just the click of a mouse. This is an easy way to shift reserves from account to account on an as needed basis, providing you with the ability to quickly control your cash flow.

Savings & Money Market Accounts

These are investment accounts available to businesses wishing to earn interest while maintaining liquidity. Our Business Money Market Account offers higher interest for higher balances. You also have the ability to write checks, and the security of knowing your money is insured by the FDIC. See current rates.

Certificates of Deposit

If you maintain balances in your operating accounts that are well beyond your day-to-day cash flow needs, consider one of several available CDs. They are investments with fixed rates and terms up to five years. CDs are FDIC insured and offer higher rates when committing to a longer term.

Additional Investment Options*

Whether you're investing for income, growth of capital or a combination of objectives, Cape Cod Five Trust and Asset Management offers its clients fully integrated wealth management, including financial, retirement and estate planning. Also Cape Cod Five offers the services of Infinex Investments, Inc., member FINRA/SIPC, offering brokerage services, including mutual funds.

*These options include non-deposit investment products which are not insured by the FDIC, are not obligations of, or guaranteed by The Cape Cod Five Cents Savings Bank, and are subject to investment risks, including the possible loss of principal invested. Insurance products are offered through Infinex Insurance Agency of MA, Inc. Infinex and the bank are not affiliated.

Cash Disbursements

Cape Cod Five offers a number of streamlined ways to pay vendors, meet payroll, invest excess cash, or make other types of payments. All are efficient, reliable and secure.

ACH Payments & Direct Deposits

We can set you up to make time-sensitive payments more efficient, flexible and convenient through the Automated Clearing House. Also, we can help you electronically Direct Deposit your employee's net pay into a checking or savings account at the financial institution of their choice.

Electronic Bill Payment

Online Banking Bill Pay feature can simplify your accounts payable process by eliminating the paperwork and costs associated with writing and mailing checks. With Bill Pay you can electronically schedule and arrange payment to your creditors or anyone else.

Analysis Checking Account

Regardless of how you disburse funds, this Cape Cod Five account is designed for businesses with heavy transaction needs. Analysis Checking can provide your business with an account for consolidating funds from which disbursements can be made. Also, deposit balances will be used to offset service fees.

Zero Balance (ZBA) Accounts

Maintain a clear audit trail when linking multiple disbursement accounts to a single central account. While funds transfer from this central account to the disbursement accounts to cover actual payment clearings, the need to maintain idle balances in the "zero balance" accounts is eliminated.

Wire Transfer Service

We can wire same day funds for a minimal fee, or you can wire them yourself with Cape Cod Five's Business Online Banking services. Our service provides for a secure, simple and rapid transfer of your company's funds to virtually anywhere in the world for same day use.

Electronic Tax Payments

Pay your Federal and State taxes electronically.

File Upload Capability

This feature allows you to send NACHA formatted files to the Bank from software programs on your PC.

Information Services

With your financial information and daily activity at your fingertips, you'll be in position to effectively manage your cash flow, and take advantage of timely opportunities.

Business Online Banking

This is our online Treasury Management solution. It's state-of-the-art and supported live. You get basic services like monitoring deposit and loan activity, and making internal and external transfers. Plus, use it for ACH collections and payments, wires, stop payments and exporting data. Also, it comes with controls for multiple users. Multiple companies can be included.

Check Images

We make it easy to research paid checks and check deposits using our Business Online Banking and our statements. In minutes you can view a check image on your PC or mobile device. Save time and money by making check storage a thing of the past.

BAI Reporting

We provide deposit account information in standard BAI format through Business Online Banking.

Account Analysis

Our Analysis Recap provides details of your account(s) activity and balances. Accounts can be analyzed either individually or on a combined basis. This analysis helps with planning your cash management, and allows you to monitor service charges and determine necessary balance requirements.

Export Data

Allows you to transfer data from your Business Online Banking to other financial software, including QuickBooks® and Quicken®, allowing you to utilize the many features inherent in these specialized cash management tools.

Fraud Prevention Services

Cape Cod 5 has a comprehensive suite of products to help protect your accounts against both paper and electronic fraud.

Positive Pay

Detect fraudulent checks at the point of presentment and prevent them from being paid

ACH Debit Block/Filter

Monitor and review debit transactions before they post to your account

Wire Verification

Telephone call backs on wires to verify validity

Secure Tokens

An owner-carried device that authorizes access to their Business Online Banking

ACH verification Calls

Telephone call backs on ACH transactions to verify validity 

Trusteer Rapport

Security software offered free to Cape Cod 5 customers

Learn more about Trusteer Rapport

Security Tools and Tips

At Cape Cod 5, we are committed to the security and peace of mind of our customers. Learn what tools we have available to protect your sensitive information .

Learn more about Trusteer Rapport      Visit the Security Center

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