Holiday Closure: Labor Day – Monday, September 7,  2026

Community Initiatives: See what donation drives are happening near you on our Community Calendar. View details →

Business Banking Quick Links

Cash Management Services

Manage and Grow With Business Cash Management Services

To complement our business banking account types, 21st Century Bank offers various business cash management services. Our cash management services for small business and larger organizations include everyday tools like online and mobile banking, remote deposits, ACH payments, positive payee, ACH debit filter, merchant card processing, wire transfers, and sweep services, all designed to make it easier to manage your money. Our goal is to help you save time, stay on top of cash flow, and feel confident that your cash management services are working as hard as they can for your business.

Cash management services can help your business or organization’s day-to-day administration of cash inflows and outflows. As your business grows, important banking products to consider are business credit cards, online banking, or remote deposit services. Incorporating cash management tools can help you maximize liquidity and minimize the cost of funds.

Feel free to view our cash management services brochure.

Business Online Banking

Tailored for Your Success

  • Account management 24/7
  • Tracking of transactions in real time
  • View images of checks
  • Access account statements
  • Transfer funds
  • Dual control options
  • Multiple levels of security available
  • eStatement

Wire Transfers

Convenient and Secure Way to Receive or Send Same-Day Payments.

  • Domestic and foreign wires
  • Secure method of payment
  • Payments available in US dollars or foreign currencies

Remote Deposits

Deposit Checks into Your 21st Century Business Account Without Ever Leaving Your Office

  • Reduce trips to the bank
  • Same day credit if processed before the cut off time
  • Secure transmissions
  • Eliminate fear of lost or stolen checks
  • Help desk available for questions or concerns
  • Mobile Banking RDA for a low volume of checks
  • Mobile Banking RDC with an easy-to-use desktop scanner for a high volume of checks

Automated Clearing House (ACH) Origination

Provides the flexibility of securely originating ACH debit or credit transactions through 21st Century Bank Business Online Banking.

  • Streamline payment and receivable process
  • Originate electronic transactions for payments of invoices and collection of receivables
  • Improve cash flow
  • Payments can be originated in advance
  • Reduce costs associated with manual check processing

Merchant Card Processing

Enjoy the Convenience of Being Able to Accept All Major Credit Cards

21st Century Bank has partnered with a secure processor to offer you the most advanced payment processing technology available for merchant credit card payments with Visa, MasterCard, American Express, or Discover.

  • Faster transaction processing time
  • Decreased processing and administrative costs
  • Several processing solutions, tailored for your needs

Online Bill Pay - iPay

Save Both Time and Money by Paying Bills Online

  • Available with 21st Century Bank Business Online Banking and Mobile Banking
  • Make one time payments or schedule future or recurring payments
  • Easy to use
  • Total control over changing, rescheduling or canceling payments
  • Safe and secure

Sweep Services

Optimize Your Available Funds

  • Earn interest on excess balances while keeping your funds liquid
  • Eliminate or reduce overdraft charges
  • Reduce the time and expense of monitoring daily cash flow
  • Maximize interest earnings

We invite you to contact our Business Banking Team to learn more about our cash management services.

Contact Us for More Information
Call Now

Send Us An Inquiry

Required*

21st Century Bank proudly serves clients located in Minnesota and Northwest Wisconsin. At this time, we are unable to process inquiries or provide banking services to residents or businesses outside of this geographic region.

Please check the services that are of interest to you.

For account and/or loan applications, please contact Customer Service or visit a branch location.

Disclaimer: Do not use the form to submit confidential, privileged, or sensitive information. The information submitted on this form is not secure. As with any information submitted over the internet, there is a risk that the information could be intercepted, viewed, or retrieved by a third party. For your protection, please do not include personally identifiable information (PII), such as Social Security numbers or account numbers, in any email messages.

21st Century Bank

You are about to leave 21st Century Bank to visit an external website. 

If you trust the source, you can proceed to this website, or click “Go Back” to return to where you were before. 

Would you like to continue?

Go Back
Continue
21st Century Bank

You are now entering a third party site.

Any information you may provide on the third party website shall be subject to the confidentiality and security terms of the third party website and not the privacy policies of 21st Century Bank. 21st Century Bank shall not bear any responsibility for any unauthorized disclosure or breach of confidentiality in relation to such information.

Furthermore, any link to a third party website contained herein does not constitute an endorsement by 21st Century Bank of such third party, their website, or their products and/or services. 21st Century Bank also makes no warranties as the content of such website.

Would you like to continue?

Go Back
Continue
(opens in new window)