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Account Types And Services

Services
Special Features: 
SmartCapture Remote Deposit
Loan Investment Sweep Services
Merchant Services
Positive Pay
Account Analysis
Automatic Clearing House (ACH) Services
Wire Transfer

Site currently being updated.

 
SmartCapture Remote Deposit
Special Features: SmartCapture utilizes a desktop scanner that connects to your PC and the Internet. With it, you can scan checks received from customers and issue deposits electronically to the bank, anytime day or night. It's the quickest way to turn check deposits into cash.
  • Make deposits anytime.
  • No trips to the bank required for deposits.
  • Improved funds availability.
  • Consolidate funds from remote locations into one bank.
  • Reduce risk of check fraud.
  • No travel liability.
  • Faster notification of returned items.

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Loan Investment Sweep Services
Special Features: 
  • Links your commercial checking account with a commercial line of credit.
  • When funds are needed, a line advance is triggered from a commercial line of credit.
  • Excess DDA balances pay down the line of credit.
Credit approval is required for Loan Sweep customers.

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Merchant Services
Special Features: If you are currently accepting credit cards, or considering starting to accept credit cards, Carolina Bank can assist with these services. Please contact Ren Stewart at (336) 323-3001.
  • Fraud protection.
  • Easy to understand statements.
  • 24/7 technical support.
  • POS Terminals.
  • Wireless terminals.
  • TeleCheck
  • EBT (Food Stamp)

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Positive Pay
Special Features: 
  • Effective anti-fraud tool.
  • General process of how positive pay works:
    • Customer generates a file that is uploaded to the bank.
    • If a check is processed that is NOT on that file, the check rejects.
    • The customer reviews rejected items and makes the decision to pay or return these rejected items.
  • Additional criteria and defaults are decided and defined between the customer and the bank.

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Account Analysis
Special Features: 

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ACH Services
Special Features: 
Using SmartBusiness Access, Carolina Bank's robust online banking product for businesses, you can originate ACH transactions to conveniently and efficiently manage your distribution and collection of payments.
  • Direct Deposit: offer direct deposit of payroll to your employees. Pay your employees electronically, regardless of where they bank.
  • Direct Debit: collect recurring dues, rent, fees, or invoices from members or clients.
  • Business to Business Transactions: send funds to accounts at other financial institutions, or send payments to vendors.
Click here to view a demo of SmartBusiness Access

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Wire Transfer
Special Features: 
Using SmartBusiness Access, Carolina Bank's robust online banking product for businesses, you can originate wires from within the application.
  • Domestic and/or international wire transfers.
Click here to view a demo of SmartBusiness Access

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