KeySource Commercial Bank

Our full range of account management services is designed to help you simplify your business and personal banking.

Credit and Debit Cards

MasterCard Debit Cards

For business or personal use, MasterCard debit cards are as simple to use as a credit card and are easier than writing checks. Our MasterCard debit card is fast, convenient, secure, and honored wherever MasterCard is accepted.

MasterCard & VISA Credit Cards

Available to both individuals and businesses, KeySource MasterCards and VISAs offer valuable benefits and services along with superior purchasing power. We’ll help you select the card program that works best for you.

The Mastercard and VISA credit cards offer a generous rewards program that has the options of receiving cash back, merchandise or airline mileage with no blackout days.

Merchant Services

Using state-of-the-art technologies, we offer complete support for merchant point-of-sale, including capabilities for processing all major credit cards as well as check verification and guarantee services.

Electronic Banking

Online Banking and Bill Pay

Our Online Banking service gives you 24-hour access to your account and makes quick work of common tasks, including:

Your account information can easily be integrated with Quicken or QuickBooks. And with the convenience of Bill Pay, all it takes is few simple keystrokes to pay your monthly bills.

ACH Services

Whether initiating debits or credits, our ACH services provide an efficient method of making payments or collecting your receivables. Even better, you can originate ACH activity through our Online Banking service.

Electronic Tax Payments

EFTPS, the Electronic Federal Tax Payment System, enables businesses and individuals to make payments to the IRS electronically. As a KeySource customer, you can use EFTPS to pay federal taxes through our Online Banking service. It’s easy, accurate, and it saves you the time and inconvenience of a trip to the bank.

Wire Transfers

If your business sends or receives domestic and/or international wire transfers, we can handle them for you simply and safely. Using our Online Banking service simplifies the process even further and enables you to maximize your funds availability.

Online Statements

For those who are ready to go paperless, you may elect to receive Online Bank Statements.

CD-ROM Statement

You have the option of receiving your KeySource checking statements on CD–ROM, with search and sort capabilities that save valuable time in locating and organizing your check images.

Remote Office Connection Kit (ROC-Kit™)

Using a secure Internet connection and a check scanner that we can provide for you, ROC-Kit™, our remote capture service, saves trips to the bank by enabling you to deposit checks electronically from your business. Your deposits can be prepared more quickly and processed faster. In addition, because you get same business day credit for deposits until 6 p.m., you benefit from improved cash flow.

Cash Management Services

Sweep Accounts

Our Sweep Account lets you earn interest on otherwise idle funds. At the end of each day, your excess available checking balances are automatically “swept” into an overnight investment, and the earnings are credited to your account.

Zero Balance Accounts (ZBAs)

A ZBA simplifies your cash management by linking disbursement and collection accounts to a single master account. It eliminates the need for multiple transfers to disbursement accounts while still enabling you to track different types of payments such as payroll or accounts payable.

Positive Pay

Positive Pay protects your company against check fraud by comparing information on checks issued to those presented for payment. Presented checks are matched by serial number and amount to your records, and any discrepancies are reported. Based on your instruction, items are either paid or returned.

Direct Deposit

With Direct Deposit your company can automatically deposit payroll into your employee accounts.

Financial Statement Analysis

Utilizing a sophisticated financial analysis software program that calculates key ratios and compares company financials to a data base of 30,000 plus companies, KeySource can provide a comparison report of a company’s historical performance to companies in the same SIC code. In addition, this software can provide projections with the input of the company’s management. This tool is provided as a resource to the bank’s customers.

Additional Services