Cash Management & Treasury Services



Making the most efficient use of your funds is a big deal. Increase your control and streamline your daily cash management to manage your working capital with maximum efficiency. Accelerate your deposits, manage your payments,

reconcile your accounts and consolidate your funds. Improve spending power with commercial credit cards. Increase the safety and flexibility of your merchant card processing.


Cash Flow Services

Receipts

  • ACH Collections
  • Remote Deposit
  • Mobile Check
    Deposit
  • Merchant Services

Disbursements

  • ACH Payments
  • Direct Deposit
    Payroll
  • Electronic Federal
    Tax Payment
  • Wire Transfers
  • Bill Pay
  • Corporate
    Credit Cards

Information Services

  • Account
    Reconciliation
  • Daily Balance Reporting
  • Internet &
    Mobile Banking

Funds Management

  • Sweep Account
  • Zero Balance
    Accounts
  • Analysis Accounts

Other Services

  • Courier Service
  • Foreign Currency
  • Group Banking
  • Safe Deposit


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Automated Clearing House (ACH) Collections

Collect payments from your members' or clients' accounts at other financial institutions.

Wire Transfer Requests

Receive wire transfers securely online.

Wire Transfer Request

Send wire transfer requests securely online.

Remote Deposit

Save time and money when you scan your check deposits from your desktop directly to your account. No waiting, no leaving work. Extends deposit hours. Exceptional deposit function controls and reporting options. Internet access and authorized scanner required.
For additional information please contact the Business Banking Center at 405.478.5301 or businessbanking@kirkpatrickbank.com.

MOBILE CHECK DEPOSIT

Deposit checks - endorse the check, take pictures of the front and back, submit. Confirmation of the deposit comes to your phone. Deposit up to $2,500 per day ($10,000 per rolling 30 calendar days). 4:00pm business day cut-off for posting.

Merchant Services

Your business can utilize a broad range of payment acceptance capabilities using an EMV compliant device, protecting your business from losses for counterfeit card fraud. This service gives you flexibility in offering payment options to customers, increases sales, simplifies accounting and controls. You can accept Visa, MasterCard, American Express, Discover, and gift cards.

Account Reconciliation

Reconcile bank statement details automatically with your accounting records, clear payments and receipts.

Daily Balance Reporting

A daily account balance summary offering timely detailed information to help you monitor cash flow and detect fraud.

Internet & Mobile Banking

  • Access to your accounts - check balances, review recent transactions, search by date, amount or check number, reconcile checks, create, modify and entitle users with different functions and access
  • Pay bills - schedule payments, review payment history, cancel payments, initiate ACH payments and collections, electronic federal tax payments
  • Transfer money - move money from one account to another, original wire transfers,
  • Deposit checks - endorse the check, take pictures of the front and back, submit. Confirmation of the deposit comes to your phone. Deposit up to $2,500 per day ($10,000 per rolling 30 calendar days). 4:00pm business day cut-off for posting.
  • Directions - Search for branches or ATMs by zip code or address

Automated Clearing House (ACH) Payments

Pay vendors or transfer funds between financial institutions.

Direct Deposit Payroll

Pay employees directly to their bank account.

Electronic Federal Tax Payment System (EFTPS)

Originate your federal tax payments online.

Bill Pay

  • Schedule automatic or recurring bills for payment
  • Receive ebills from participating merchants
  • Setup reminders for bills due and payments made
  • View pending bills, recent bills and bill history and assign categories to bills

Corporate Credit Cards

We offer Visa credit cards through First Bankcard, on of the top 15 issuers in the U.S. As a result, we have credit card options for businesses, non-profit organizations or government entities of any size (small to extra-large!). We can customize these options to include your choice of reward packages, spending limits and card designs. All card options include online account access, improved AP efficiency, improved float/cash flow, and improved reporting to manage and track business expenses.

Courier Services

Deposits are brought to the bank for processing using a bonded courier.

Sweep Accounts

Manage your working capital with maximum efficiency by investing excess operating funds each working day.

Zero Balance Accounts (ZBA)

Consolidate funds from several accounts into one concentrated account to make the most of your money.
For additional information please contact the Business Banking Center at 405.478.5301 or businessbanking@kirkpatrickbank.com.

Analysis Accounts

Account activity is tracked through average balance levels and activity charges. A competitive earnings credit rate is applied to offset transaction charges and account fees.

Other Courier Services

Deposits are brought to the bank for processing using a bonded courier.

Foreign Currency

Foreign currency exchange typically takes 2-3 business days and a $25.00 fee applies when foreign currency is ordered and when foreign currency is exchanged for U.S. currency. Only paper currency will be exchanged. The exchange rate will be determined at the time of the transaction.

Group Banking

Because of your relationship with us, we will offer your employees a unique checking account with special features and discounts.
Your employees can now open their checking account online!

Safe Deposit

Some things are irreplaceable and need to be kept in a really safe place. Help protect documents and important items from loss by fire, theft, flood, tornado or other disasters by storing them in a safe deposit box. Boxes are located in the vault at our branches and come in a variety of sizes.



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CONTACT US


Oklahoma City

405.241.0810
Email Oklahoma

Colorado Springs

719.866.6300
Email Colorado Springs

Denver

303.474.5000
Email Denver