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Online Cash Management

From 9 to 5, it can be tough trying to find the time to do your banking. Indiana Bank & Trust Company understands you often don't have time to go to the bank, or even call to manage your finances. Our Online Cash Management service makes it easy to get fast, accurate answers about your accounts. You will have complete access to up-to-the-minute information about your finances. You can view account information, schedule payments, schedule payroll deposits, coordinate wire transfers, originate ACH, pay taxes and even order change. Plus, you can determine the access individual employees have to any or all areas of your banking business. Take a few minutes to view the online demo of this service.

MasterCard® and VISA® Merchant Services

Credit and debit card acceptance is essential for doing business today. It's convenient for your customers and efficient for you. Our merchant services give your customers another way to pay.

Night Depository

Can't make it to the bank before closing? No problem. Our convenient night depository is always open. Simply drop your deposit in and it will be kept in our vault until the next business day.

Lockbox Services

Speed up collections, streamline remittance processing and improve audit trails with lockbox services. The service allows you to direct your customers to send payments to a selected post office address. We pick up the mail, process the remittances according to your instructions, make deposits and provide daily reports of deposit information. These services are tailored to your internal processes. You may choose from the basic lockbox options offered based on the type and volume of your remittances. You'll reduce float and processing time as well as lower in-house processing costs and errors.

Remote Control

Stop rushing to the bank. Remote Control allows your business to scan check deposits and send them electronically to the bank--making branch visits and traditional paper checks a thing of the past.

Wire Transfer

The easy, safe way to send funds anywhere in the world.

Positive Pay

Check fraud is a major concern for businesses everywhere. With Indiana Bank & Trust Company's Positive Pay, our check fraud prevention service, you will have confidence that only the checks you issue will be paid through the check collection system. The service compares items presented for payment against check issue information you provide us. Checks that do not match your pre-approved list of checks are reported to you for review and payment disposition. Unmatched items are examined daily instead of waiting until month-end and fraud is detected quicker.

ACH (Automatic Clearing House) Origination

Save a tree! Protect the forest while protecting your business from expenses and errors normally associated with paper-based transactions. ACH origination lets you electronically deposit net pay to your employees' accounts and collect fees such as customer payments, membership dues, utility payments and so forth.

Sweep Accounts

Don't let your money sit around doing nothing. Earn interest on excess balances. At the end of each business day, excess funds in non-interest-bearing accounts are automatically "swept" into this account where they earn interest until you need them.

Zero Balance Accounts

A zero balance account automatically transfers funds from your master account to cover all daily activity and to maintain your disbursement account balances to zero. You save time and money because your employees no longer have to monitor account balances and perform funds transfers. You eliminate excess cash balances, optimize cash usage and eliminate costly overdrafts.

Sweep to Line of Credit

Excess funds over a pre-established target balance are transferred to your commercial line of credit from your business' checking account. The money is used to pay down the principal balance on the line, reducing your interest expense. Money is transferred back to your checking account as needed to maintain the target balance. You'll save money on the amount of interest accrued on your line of credit and eliminate the need to manually transfer funds between accounts.

Foreign Money Services

Trés bien! Convert your U.S. dollars to foreign currencies (or vice versa), wire transfer funds internationally and send foreign drafts to recipients outside the U.S.