Lockbox Services | Positive Pay
NetDeposit- Remote Deposit 
 NetCheck- ACH
Paycheck Plus! Payroll Cards
Wire Transfers
Bulk Gift Cards 
Investment Sweep Accounts 
Zero Balance Accounts

Missouri Bank’s cash management services can help your business improve its cash flow and assist you in making daily financial management decisions. Our full range of services streamlines the collection, concentration and outflow of funds and simplifies your administrative burdens.

Lockbox Service

A simple, safe, labor-saving approach to processing customer payments.

• Payments are sent to a Post Office Box, rather than to the business.
• Missouri Bank collects those payments each day – Monday through Friday – and deposits them to your account the same day.
• A detailed deposit report is provided in hard copy or via a secure web site, on the schedule you prefer.
• All documentation (such as invoices) enclosed with the payments are returned to you.
• For more information contact Linda Marcum at 816-881-8222.

Click here to view a demo on Lockbox.  Call Linda Marcum at
816-881-8222 for log in information.

Positive Pay

An extra layer of oversight on outgoing checks, offering you increased protection against fraud.

• You provide a daily electronic file listing outgoing check numbers, amounts and payees.
• Missouri Bank compares incoming checks against that record and alerts you of discrepancies. This allows you to determine whether the error was an honest mistake or fraud.
• Easy to set up and easy to manage.
• You decide who at your business receives information about possible fraudulent checks.
• For more information contact Linda Marcum at 816-881-8222.

Click here to view a demo on Positive Pay.

NetDeposit- Remote Deposit

A sensible, time-saving alternative to the daily bank run to deposit checks.

• Scan checks directly into your account via a secure, individual Web site specifically for your business.
• Deposits hit your account faster, meaning that the funds are available sooner.
• Complete control over who can scan and send checks.
• For more information contact Linda Marcum at 816-881-8222.

Click here to veiw a demo on NetDeposit- Remote Deposit.

NetCheck- ACH

Save time and money by letting Missouri Bank process your company’s payments and receivables automatically.

• Put an end to the time you spend making paper payments and processing paper receivables.
• A simple authorization is all it takes to begin receiving and making payments automatically through a secure Web site. Missouri Bank handles the rest.
• Comprehensive statements provide complete documentation for every payment and deposit.
• Safe, convenient and confidential – and no waiting for checks to clear.
• For more information contact Linda Marcum at 816-881-8222.

Paycheck Plus! Payroll Cards

A safer, easier way to pay your employees.

• Paycheck Plus! Payroll Cards offer employees a safer, less costly alternative to check-cashing establishments.
• Cards are distributed to employees once and “loaded” automatically each pay day, based on the employer’s instructions.
• Access to funds is immediate through any STAR® or CIRRUS® ATM network location or through any retail store that accepts debit cards.
• Employees receive a paper statement showing their deductions or they can access information on the phone or web.
• Cards are secured with an employee selected PIN number.
• No need to collect cards from terminating employees because cards have no value once the balance is spent.
• For more information contact Linda Marcum at 816-881-8222.

Wire Transfers

A fast, secure way to accept and distribute funds – around the world.

• Wire transfers allow you to immediately move funds from bank to bank or from account to account, domestically or internationally.
• Multiple security levels give you the assurance that only those who are authorized have access to wired funds.
• Repetitive wires can be established, saving time on each transfer.
• Optional automatic notification of incoming wires.
• For more information contact Linda Marcum at 816-881-8222.

Gift Cards

A better choice than cash or checks for employee rewards.

• Eliminates the shopping challenge of buying that “just right” thank you gift for clients.
• Available in bulk in amounts from $10 to $1,000. Orders of 25 or more can be personalized.
• Can be used any where major credit cards are accepted.
• No expiry date.
• For more information contact Linda Marcum at 816-881-8222. 

Investment Sweep Account

Make your excess funds work for you, day in and day out, by having them automatically invested.

• An ideal approach to making the most of your excess funds – automatically.
• Designed for accounts with a minimum average collected balance of $150,000.
• A peg balance – based on your account activity – is set and maintained.
• Each day, funds that exceed your peg balance are swept into a repurchase agreement based on your investment preferences.*
• When your checking account falls below the peg balance, funds are automatically returned to your account.
• For more information contact Linda Marcum at 816-881-8222.

* Sweep funds are not insured by the FDIC.

Zero Balance Account

Consolidates your checking account balances into one account at the end of each business day, letting you see exactly where you stand.

• Brings order to all your various checking accounts, by giving you a current, total balance at a glance.
• Once established, the process is fully automatic; just log on to a secure web site to check your balance.
• Service charges associated with this account are minimal and are often offset by the earnings allowance associated with a business’ multiple checking accounts.
• For more information contact Linda Marcum at 816-881-8222.