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Cash Flow

Optimize Your Cash Flow With Solutions That Scale to Your Needs

Machias can help you streamline your operations, expand customer payment options, and ultimately improve your organization’s working capital.

Contact Us to learn about Cash Flow

Remote Deposit Capture

Skip the trip to the bank!

Remote Deposit Capture enables you to expedite your deposit process by using a high-speed scanner, without having to physically visit the bank on a daily or weekly basis. Here are some key benefits of this service:

  • Extended deposit windows up to 6 pm on regular business days. Deposits made after this timeframe will be effective on the next business day.
  • Convenience of depositing at any time.
  • Time-saving in preparing deposits.
  • Minimizes the risk of check fraud.

Wire

Securely transfer funds from any device.

With MSB Business Online, there’s no need to visit a branch for a wire transfer anymore. Simply contact our cash management team to initiate a wire transfer. Here are some key features of our wire transfer service:

  • Save your account and routing information
  • Choose to send funds immediately or schedule a transfer for a future date
  • Initiate transfers quickly and easily with just a few clicks.

Automated Clearing House (ACH)

Efficient & affordable method for depositing and collecting funds.

This payment method is particularly useful for regular transactions such as vendor payments, tax payments, and direct deposits. We provide the following ACH solutions:

  • Vendor payments
  • Recurring or pre-authorized direct debits for cash concentration
  • State and federal tax payments
  • Payroll or direct deposit
  • Expense reimbursements
  • Same-day ACH origination (available for qualifying transactions)
2024 & 2025 ACH Holiday Schedule for ACH

Merchant Services

Dependable Payment Solutions

By teaming up with BASYS Processing, we are able to offer prompt and dependable merchant services that can aid your business in managing its cash flow. At Machias, our committed team is available to guide you in selecting the ideal payment processing solution to simplify your operations.

Experience the convenience of skipping lines and saving time with our service that includes:

  • Have a dedicated relationship manager
  • Get access to our Payment Card Industry (PCI) Compliance Team
  • Skip the phone menus and get connected directly with a live agent who will answer your calls.

Achieve effortless and cost-effective payment processing with the following solutions:

  • Wholesale rates
  • Tailored processing options
  • Dependable next-day funding
  • Loyalty and gift card programs

Innovate payment processing with a range of choices, such as:

  • Terminals compliant with (EMV) chip technology
  • Mobile processing suitable for phones and tablets
  • Online solutions such as virtual terminals and e-commerce Point-of-sale solutions powered by Clover.

How to Use Our Cash Flow Solutions

Watch our video tutorials and learn how to make the most of our tools.

ACH Overview
Merchant Capture
Sending a Wire
Our Disclosures
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Please refer to our current General Services Fee Schedule or consult a member of the Cash Management Solutions Team for more details.

Get in Touch With Our Team

We’re here to answer your questions and help you establish commercial payment solutions so your business can flourish.

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Payroll

Whether you have many employees or only a few, payroll takes time. Simplify the process with our payroll partner isolved.

Learn More About Payroll

Exceptional Checking

A non-interest-bearing account that offers all the banking essentials to help you focus on growth or start a new business.

Learn More About our Exceptional Checking Account

Risk Management

At Machias, we have a variety of commercial risk management solutions that safeguard your bottom line.

Learn More About our Fraud Prevention Services
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