Our mission is to provide a full range of products and services for our business clients with the convenience and attention of a personal team of bankers.

If you have any questions about the following products or services, please feel free to contact Customer Service.

(239) 254-2999

ACH
Remote Capture Services
Merchant Card Services
hINTERNET Online Banking
Payroll Cards
Sweep Accounts

ACH
This automated service can debit or credit accounts to perform cash concentrations, to invoice customers for payment, or to direct deposit payroll.

• Eliminates processing and clerical expenses associated with paper transactions.
• Accelerates collections and allows next day funds availability.
• Improves quality of accounts payable and receivable record keeping.
• Forecasts cash flows and increases control of payment timing with settlement dates.

Remote Capture Service
By using a desktop scanner, all incoming checks received will be scanned and an electronic image of the front and back of the checks, along with the MICR line information, will be captured and then transmitted electronically to the Bank's processor for collection.

• Expedites check processing and cash flow.
• Reduces operating costs.
• Later deposit deadlines.
• Convenience of not having to physically send checks or even go to the bank to make deposits.

Merchant Card Services
In order to offer you the latest in electronic payment technology, we have partnered with Marathon Processing Systems, a premier electronic payment solutions provider. Services include: credit and debit card processing, e-commerce solutions, electronic gift cards, electronic check acceptance, check guarantee systems, and web based programs.

• Marathon's front-end processor ranks first in North America for number of transactions processed, over 13.1 billion in 2005.
• Marathon offers redundant processing systems in Tampa, FL and Salem, NH to ensure timely processing of transactions.
• Marathon adheres closely to a solid set of values based on dedication, integrity, innovation and flexibility.

hINTERNET Online Banking
Provides the business customer with the following cash management services online, 24 hours a day:

• Wire Transfers
• Stop Payments
• ACH Drafts
• ACH Disbursements
• Balance Reporting
• Direct Deposit
• Bill Payment
• Book Transfers
• Cash Flow Management

Multiple cash management features are made available to the customer from any computer with internet access, 24 hours a day. The customer can reduce ACH per file fees using hINTERNET. hINTERNET has multi-user capacity integrated with security features that allow the customer to approve many transactions initiated by sub-users.

Payroll Cards
Hillcrest Bank Florida can provide payroll cards to those employees who choose to not have banking accounts or who are unable to get one. This versatile product can be used as an ATM/debit card, a retail purchase card, a global calling card, and a direct deposit payroll card. It eliminates the need to go to a branch location to cash a check.

• This reduces the company's cost of payroll execution by 20-30%.
• It saves the company an average of $30 to $60 per employee a year.
• It increases employee productivity, efficiency, satisfaction and ultimately reduces employee turnover.
• For employees, it is an efficient way to operate without a bank account.
• Direct deposit of paycheck.
• Eliminates the hassle of check cashing, including fees.
• Convenient for bill paying.

Sweep Accounts
Funds are automatically transferred from an account when the balance reaches a limit predetermined by the customer.
Convenient transfers are made to maximize earned interest, avoid fees, or avoid negative collected balance charges.