Cash Management

Convenient access to your banking information is essential to operating your business. Standard Bank offers advanced solutions and are committed to providing secure electronic products and services. Modern technology, personal interaction, and proactive communication are what set Standard Bank apart from the competition.

We ensure a great customer experience by delivering of a full array of products to better manage your finances. We put our customers first and tailor products and services to fit their needs.

ACH Debits

Initiating funds transfers online to transmit electronically in the Automated Clearing House (ACH) system has many advantages over paper checks*:

  • Collect receivables faster and improve cash flow 
  • Securely send your information via Standard Bank’s software templates, provide your own files or use a third-party vendor
  • Your instructions will be carried out via the ACH system and the appropriate accounts will be debited
  • Your information is secure and dual control is highly recommended as an additional internal control

*Limits and fees outlined in ACH Origination Agreement.


Cash Courier

We care about our customers and the safety of their employees.  One of the services we offer to that end is our Cash Courier service. Your deposits will be picked up on the scheduled day(s) of your choice and transported via armored vehicles.

Deposits are posted to your account the next business day after pick-up.  You can also order currency and coin by 10:00 a.m. and receive it during the next scheduled courier stop.  

Additional emergency pickups and deliveries may also be scheduled on an as-needed basis.


Deposit Xpress (Remote Capture)

With  Deposit Xpress, you can deposit checks 24/7 into your bank account from your office and minimize trips to the bank.

Simply scan your checks and transmit the check images to Standard Bank through a secure internet connection. Our web-based software is easy to use and is password-protected for security.

  • Gain access to your money sooner by depositing checks the same day they are received. Checks deposited by 5:00 p.m. Eastern Standard Time will be available the same business day.
  • Detailed reports, audit logs and images of deposited items are also available.
  • Allegheny Valley Bank provides personalized support, software and scanners based on qualifying average collected balances. *

* Deposit Xpress service is offered to companies who qualify, which includes a discretionary daily deposit limit. Funds availability is not guaranteed in all circumstances. The Bank reserves the right to restrict funds availability in accordance with Federal Regulations.  Limits and fees will be outlined in Remote Deposit Service agreement.


Merchant Credit Card Processing

Merchant credit card services enables your business to accept and process credit card payments online, in-store, by phone, or by mail.  

The transactions are processed and protected by our independent merchant service provider.

Offering your customers the opportunity to pay with a credit or debit card makes it easier for them to make purchases and increase your sales volume. 


Online Wire Origination

Send or receive funds safely and quickly with Standard Bank’s Web Wire transfers. We offer both domestic and international wire transfers. For added convenience, you may wish to initiate wires online from your office via our secure electronic platform.


ACH Credits

Automated Clearing House (ACH) Credit origination is the process of electronically transmitting funds to pay for expenses. Paying business expenses through ACH credit origination has many advantages over making payments with paper checks.* 

  • Make payroll and other payments faster and save on postage and paper costs 
  • Securely send your information via Allegheny Valley Bank’s software templates, provide your own files or use a third-party vendor
  • Your instructions will be carried out via the ACH system and the appropriate accounts will be credited
  • Your information is secure. Dual control and security tokens are highly recommended as additional internal controls
    • Dual Control
       Standard Bank highly recommends our customers institute dual controls within their businesses.  By requiring one employee to originate a wire or ACH file and a different employee to approve it, an organization can reduce the possibility of fraud.  

    • Security Tokens
      Add an extra layer of control during the online banking login process. The utilization of security tokens requires the file originator to input a number generated by the security token to send a file to the bank. A fraudster cannot send a file without it.  

*Limits and fees outlined in ACH Origination Agreement.


Business Debit Cards

Standard Bank’s Visa Business Debit Card* will save you time and money and will help you manage your finances. It’s linked to your Standard Bank checking account, so when purchases are made, the amount is automatically deducted. Best of all, there are no finance charges.

Order cards for yourself and your employees, and use them at the millions of locations where Visa is accepted. 

Other great benefits include:

  • Providing the option to withdraw cash surcharge-free at over 9,000+ ATM locations
  • Quickly make purchases in person, by phone, or online
  • Use the card for everyday business expenses, to eliminate the need for a petty cash account
  • Receive an itemized list of all transactions on your monthly statement so you can monitor employee spending

ACH Authorizations

Positive ACH Authorizations
 Standard Bank offers a Positive ACH Authorization service to prevent funds debited by unauthorized companies.  

Business customers provide a list of entities that are authorized to debit their account(s) via ACH transactions.  

When an ACH debit is received from a company who is not authorized, Standard Bank follows a predetermined protocol to protect our customers.

Block Unauthorized ACH Debits
Business customers can elect to block all ACH transactions from accounts on which no ACH debits are authorized.


Dual Controls & Security Tokens

No business owner wants to think their own employee(s) would commit a fraudulent act against their company; but the fact remains, employee theft is on the rise.  Standard Bank offers Dual Control services and Security Tokens to reduce internal fraud risk.

Dual Control
Allegheny Valley Bank highly recommends our customers institute dual controls within their businesses.  By requiring one employee to originate a wire or ACH file and a different employee to approve it, an organization can reduce the possibility of fraud.  

Security Tokens
Add an extra layer of control during the online banking login process. The utilization of security tokens requires the file originator to input a number generated by the security token to send a file to the bank. A fraudster cannot send a file without it.  

Even though there are costs associated with tokens, it assures only legitimate individuals can process a transaction.


Positive Payment

Check Positive Pay* 
 We offer Check Positive Pay to reduce the risk of fraudulent account activity by identifying unauthorized transactions before they occur.

Business customers send batch files to Standard Bank, which includes checks issued.  We will confirm that all checks presented match those issued before they are paid.

When an item does not match, the exception is communicated to customers for their review.

Post No Checks Block 
Elect to block all checks from posting to accounts from which checks are not issued.

*Contact Cash Management Support for complete details on terms and fees.

Business Online Banking

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