Cash Management Services

At United Commercial Bank, we understand that you need to manage your cash position more efficiently and profitably. This is why we have a wide array of cash management services to help you effectively collect and disburse money as well as optimize the cash flow of your business.

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Our UCB Express Deposit solution enables your business to scan paper checks directly from your office and transmit those images to the bank via secure internet connection. It allows your business to easily prepare and deposit checks.

Automated Clearing House (ACH)

Your company can make electronic payments and collections, such as payroll, vendor and tax payments, through the ACH system. This service tremendously reduces your time and cost of issuing, receiving, posting and reconciling checks. It also gives you control over settlement timing of disbursements and collections, and eliminates the risk of lost, stolen and destroyed checks.

Cash Vault

It is a convenient way for your business to make large cash deposits and/or order cash to run day-to-day operations using the security features of messenger service or armored carriers. The Cash Vault Service accelerates your cash deposits and orders with our multiple vault locations.

Controlled Disbursement

This service helps you identify and utilize excess funds to generate maximum return. Checks are funded on the day they are presented. By doing that, it helps you make more accurate daily investment and borrowing decisions, maximize your cash availability for investing, and minimize borrowing.

Business Online Banking Service

With our Business Online Banking Service, you can enjoy the convenience of banking when and where you want, and take full control of your business finances. View account balances, transfer funds, request stop payments, pay bills and so much more - all with a few simple clicks.

Zero Balance Account

The Zero Balance Account provides an efficient, automated means of cash flow control between multiple accounts. It consolidates your funds into a single concentration account, then automatically funds your operating accounts on an as-needed basis. ZBA makes daily cash management functions easier and more convenient by offering fewer accounts to manage, eliminating numerous account transfers, and improving audit trail information.

Lockbox

Lockbox is a check collection and processing service that can improve your company's cash flow and keep collection float down. It is a powerful tool for improving cash collection because the faster and more accurate your collection system is, the sooner your receivables can be converted into available productive funds. You can also avoid costly and time-consuming in-house processing.

Positive Pay

This daily reconcilement service allows you to review all check exception items at the time checks are received for payment. It is one of the most effective deterrents to check fraud because only authorized checks are paid. It also helps simplify check reconciliation to save your valuable time.

Wire Service

A wire is an electronic way of moving your funds throughout the United States and around the world. With multiple initiation methods available such as Internet and fax, you can send money worldwide accurately, securely and conveniently.

Check Image CD-ROM

Receive images of all your paid checks on a CD-ROM with each statement cycle. Save time and increase efficiency by eliminating physical storage of paid checks and saving on long term storage costs. With the first CD, we provide you with a user-friendly software that has powerful search capabilities for the retrieval of images.

Please consult our cash management professionals for these services.

By Email:	ucbcashmanagement@unitedcb.com
By Phone:	1-800-718-3899
By Mail:	UCB Cash Management 555 Montgomery St., M/S 425 San Francisco, CA 94111