Irwin Bank and Trust
  17 May 2008
Additional Services

We Are Your Full-Service Provider of Business Banking.

Checking Enhancements
Check Fine Sort
Expedite reconcilement and check referencing by receiving your monthly processed checks in check number order.
Account Reconcilement
Save time and operational expense by letting Irwin Bank automatically reconcile your monthly checks and balance your account for you. Provide Irwin Bank with a computerized list of the checks you've written and we'll return a detailed report of the checks that have not posted.
Overdraft Protection
Eliminate returned checks and non-sufficient fund service fees by requesting overdraft protection. Funds from your Irwin Bank money market, statement savings, or business line of credit are automatically transferred for a small fee to your checking account when an overdraft occurs.
Payroll Direct Deposit
Eliminate writing and reconciling employee payroll checks with our direct deposit service. Your employees will appreciate the convenience too, of automatically having their payroll checks deposited into their bank account.
24-Hour Electronic Banking
IBT e-link for Business
Internet Electronic Banking


IBT e-link for Business is a powerful desktop solution for monitoring and managing your Irwin Bank business relationship. Keep track of your accounts and manage your finances from the convenience of your office or home. With IBT e-Link For Business you can securely check your account balances, review deposit and withdrawal activity, transfer funds, pay bills, stop payments, and initiate wire transfers, loan payments, and line of credit advances. For additional information about the various services offered through our online banking service, talk with your Irwin Bank representative.

In-Touch Telephone Banking

Our In-Touch Telephone Banking service provides another option for you to conveniently check your balance and access information about your Irwin Bank business accounts. You may also transfer funds between checking, saving and lines of credit, review recent check history, or place a stop payment on any check not paid.

In-Touch telephone banking is a free service. Banking has never been simpler!


Other Services We Provide
  • Merchant Credit Card Processing
    American Express
    MasterCard
    VISA®
    Discover

  • Letters Of Guarantee
  • ACH Origination
  • Night Deposit Bags
  • Travelers Checks
  • Corporate Credit Cards
  • New York Drafts
  • Wire Transfers
  • Safe Deposit Boxes

Cash Management

Overnight Investment and Sweep Processing

Make the most of your money by automatically transferring available account monies to a high yield investment each night. We will design a schedule that is specific to your financial goals and business requirements. Based on that schedule, your money will be transferred back to your account in time for the next business day. Your Irwin Bank Business Relationship Manager can provide specific investment options.

Zero Balance Service
Maximize your overnight investment return with an automatic transfer of funds to and from your primary (parent) account to your secondary (subsidiary) account(s) as deposits are accrued or funds are needed for payments. The balances of your subsidiary accounts are kept at zero. When subsidiary accounts require funds, the funds are automatically transferred from the parent account in the required amount. If subsidiary accounts receive deposits, those funds are transferred into the parent account. All collected funds will automatically be transferred from the parent account to Irwin Bank's Overnight Investment Product as the last transaction each day. The first deposit of the next day into the parent account will be the Overnight Investment amount plus accrued interest.

Other Services To Improve Your Cash Flow

Lock Box Processing
Quickly turn your customers' mailed payments into working capital by directing your receivables to a secure post office box. We will then pick up your mail daily, process your remittances, and immediately deposit the proceeds into your account. Documentation of deposits is provided or you can electronically access your account activity through our online banking service.

Business Manager
Turn your receivables into cash. With our Business Manager program, the Bank will purchase your outstanding receivables. You receive cash within 24 hours to reinvest in your business or eliminate debt. Then as you generate invoices, they are sent to the bank for funding on an ongoing basis. Payment is directed to the Bank's lock box on your behalf.