Money Management for Small Businesses

Remote Deposit Capture

Deposit Payments Faster. Easier. Smarter.

Remote Deposit Capture allows you to use a high-speed scanner to quickly make your business deposits electronically, without the daily or weekly dash to the bank.

This service provides extended deposit windows, up to 6pm, during normal business days. Deposits made outside this time frame are effective the next business day.
Make deposits anytime
Save time preparing deposits
Reduce the risk of check fraud

ACH

Using automated clearing house (ACH) payments is a cost-effective way to collect and deposit funds efficiently.

This method works well for routine transactions, including paying vendors, direct deposits and taxes. We offer the following solutions through ACH:

Vendor payments
Cash concentration recurring or pre-authorized direct debits
State and federal tax payments
Direct deposit or payroll
Expense reimbursements
Same-day ACH origination (for eligible transactions)

2024 & 2025 ACH Holiday Schedule

Wire

You no longer need to go to a branch to affect a wire transfer with MSB Business Online.

You can securely wire money from your pc, tablet, or mobile device. To do a wire transfer, reach out to our cash management team. Here are a few features of our wire transfers:

Store your account and routing information
Send immediately or schedule a transfer date
Initiate transfers in a few clicks

Credit Card Processing

Streamline Your Payment Process.

Through our partnership with BASYS Processing, we can provide fast and reliable funding that helps your business manage cash flow.

Service – Save valuable time and skip the lines with:

Dedicated relationship manager
Access to our Payment Card Industry (PCI) Compliance Team
No phone menus to navigate
Calls answered by a live agent

Solutions – Make accepting payments simple and affordable with:

Wholesale pricing
Customized processing solutions
Reliable next-day funding
Gift and loyalty card programs

Technology – Process payments however and wherever with:

(EMV) chip-compliant terminals
Mobile processing for phone or tablet
Online solutions — e-commerce and virtual terminals
Clover point-of-sale solutions

Video Tutorials

Learn how to make the most of our money management tools.

ACH Overview

Merchant Capture

Sending a Wire

Our Disclosures

Please refer to our current General Services Fee Schedule or consult a member of the Cash Management Solutions Team for more details.

We're Here to Help

Machias Savings Bank offers cash management for Maine small businesses. To learn more about these services, fill out the form below and a cash management team member will follow up with you.

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Payroll

It’s our job to focus on the little things, like payroll, so you can focus on the big things and keep moving your business forward. Say “Yes!” to our payroll services!

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