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Streamline Payments & Processing for Your Business
Cash Flow & Payments
In addition to Business Checking, Savings and Loans, Citadel also offers cash management and payment solutions to help streamline cash flow, while reducing fraud for your company.
Our experienced experts can help customize a premium package of services that are tailored to your needs and scalable for future growth, including Merchant Services with payment processing and POS systems, high-speed check scanners for Remote Deposit Capture, and automated payroll and HR solutions for benefits administration and more.
Our experienced experts can help design a comprehensive package of cash flow and payment solutions tailored to your business needs and scalable for future growth. Solutions include Merchant Services to optimize payment processing, ACH and Wire Origination services for secure, efficient money movement, and Remote Deposit Capture for convenient check deposits directly from your office. To help safeguard your business, Fraud Essentials Positive Pay provides an added layer of protection against check and ACH fraud. We also offer payroll and HR solutions that streamline payroll, benefits administration, and employee management, helping your business operate more efficiently, securely, and confidently.
Merchant Services
Business Payment Processing & Cash Flow Solutions, Provided by Clover
Simplify how your business accepts payments and manages cash flow with integrated payment processing solutions powered by Clover. Designed for flexibility, these systems help you accept payments, track sales, and improve customer experiences.
From in-store to mobile transactions, modern POS solutions make it easy to manage operations and drive revenue growth.*
Key Features:
- Accept payments from EMV® chip cards, mobile wallets, and contactless methods
- Secure transactions with built-in data protection tools
- Access real-time reporting and performance insights
- Enhance customer engagement with mobile loyalty programs
- Manage inventory, employee schedules, payroll and more
Why Payment Processing Matters
Efficient payment systems are essential to maintaining strong cash flow and delivering a seamless customer experience. With faster transactions and better reporting, your business can operate more efficiently and make informed decisions.
Upgrade your payment experience with a scalable, all-in-one solution built to grow with your business.
Get in touch with us to learn more.
ACH Origination
ACH Payment Processing for Businesses
Automate and simplify your business payments with secure ACH payment processing. ACH (Automated Clearing House) services allow you to send and receive electronic payments quickly, reducing manual work and improving cash flow.
Designed for efficiency and accuracy, ACH solutions help businesses manage recurring payments, vendor transactions, and payroll deposits with ease.
Key Features:
- Send and receive ACH credits and debits securely
- Automate recurring payments and collections
- Access detailed reporting and transaction history
- Reduce costs compared to paper checks and wires
Why Use ACH Payments?
ACH payments provide a reliable, cost-effective alternative to traditional payment methods. With faster processing and improved tracking, your business gains better visibility into cash flow while minimizing risk and administrative burden.
Optimize your operations with a flexible ACH payment solution built for modern businesses.
Get in touch with us to learn more.
Wire Transfer
Wire Origination Services for Businesses
Manage your business cash flow with fast, secure wire origination services built for modern companies. Send and receive domestic and international wire transfers through a single, easy-to-use online and mobile banking experience.
Our wire origination solutions help businesses streamline payments, improve visibility, and reduce risk while maintaining full control over financial operations.
Key Features:
- Send outgoing domestic and international wire transfers with ease
- Receive incoming payments quickly and securely
- Access wire activity anytime through online and mobile banking
- Strengthen security with advanced authentication tools
Why Choose Wire Origination?
Wire transfers are one of the most reliable ways to move funds quickly. With real-time processing capabilities and enhanced tracking, your business can confidently manage time-sensitive payments, vendor transactions, and global financial operations.
Optimize your cash flow, reduce manual processes, and gain greater control over your payments with business wire origination services.
Get in touch with us to learn more.
Payroll & HR
Payroll and HR Solutions for Businesses
Simplify workforce management with comprehensive payroll and HR solutions powered by Paychex. Designed for growing businesses, this full-service platform helps you manage compliance, employee relations, and payroll operations efficiently.
Spend less time on administrative tasks and more time focusing on your business with integrated tools that support your team from onboarding through ongoing employment.
Key Features:
- Process payroll, time tracking, and attendance with accuracy
- Manage HR compliance and employee relations effectively
- Administer employee benefits with ease
- Access pre-employment and onboarding tools
Why Payroll & HR Solutions Matter
Managing employees involves complex regulations and ongoing responsibilities. With a trusted payroll and HR solution, your business can reduce risk, improve employee satisfaction, and ensure compliance with changing regulations.
Effortlessly offer and manage a full suite of benefits online:
- Simplify processes and effectively manage employees
- Smoothly run payroll on your own or with 24/7 support
- Monitor employment and tax regulatory compliance
- Enhance employee satisfaction
- Reduce errors and save time with an all-in-one online solution
Take control of your workforce management with a scalable, reliable HR and payroll solution built for your business needs.
Get in touch with us to learn more about payroll & HR services for your business.
Remote Deposit Capture
Remote Deposit Capture for Businesses
Simplify your deposit process with remote deposit capture (RDC). Deposit batches of checks quickly and securely without leaving your office using a high-speed scanner and online banking tools.
Designed for efficiency and accuracy, remote deposit capture allows your business to process payments faster, improve cash flow, and eliminate unnecessary trips to the bank.
Key Features:
- Deposit checks remotely at your convenience
- Eliminate the need to transport physical checks
- View check images and deposit history online
- Maintain accurate digital records for reconciliation
Benefits of Remote Deposit Capture
Remote deposit capture gives your business more control over deposits while reducing time and operational costs. With faster access to funds and improved recordkeeping, you can make smarter financial decisions and keep your business moving forward.
Upgrade your banking experience with a secure, efficient way to manage check deposits.
Get in touch with us to learn more.
Fraud Prevention
Fraud Prevention
Protect your business from financial fraud with advanced fraud prevention tools designed to safeguard your accounts and transactions. From check fraud to ACH risks, comprehensive monitoring and controls help reduce exposure and improve financial security.
Our fraud protection services provide real-time visibility and proactive controls to identify suspicious activity before it impacts your business.
Key Features:
- Positive Pay with payee matching to prevent check fraud. See how it works
- ACH authorization and reporting tools
- Online check imaging for verification and tracking
- Automated processing and exception management
Why Fraud Protection Matters
Fraud threats continue to evolve, putting businesses at risk of financial loss and operational disruption. With proactive monitoring and layered security tools, you can detect anomalies early and respond quickly.
Strengthen your defenses and protect your business with a comprehensive fraud prevention strategy.
Watch the videos below to see how it works.
Get in touch with us to learn more.
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How to Log In to Positive Pay | Fraud Protection -
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How to Submit a Single Check in Positive Pay | Fraud Protection
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How to Process Positive Pay Exceptions | Fraud Protection
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How to Upload a Check Issue File in Positive Pay | Fraud Protection
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How to Add Users & Accounts in Positive Pay | Fraud Protection
Ready to Simplify Your Business Banking?
Get Started* Enrollment requires a separate purchase of a scanner - see Business Banking representative for details.
© 2026 Paychex, Inc. All Rights Reserved. Paychex® is a registered trademark of Paychex, Inc. Payroll services and special offers are provided by Paychex, Inc. and are subject to price changes by Paychex. Payroll processing services provided by Paychex, a third-party commercial vendor. The Financial Institution is not an affiliate of Paychex, and does not provide, warrant, or guaranty their products or services.
Wire transfer fees: $15.00 flat fee for any domestic wire executed through Business Online Banking. $10.00 for incoming domestic wire transfers; $15.00 for outgoing domestic wire transfers less than $2,500; $30.00 for outgoing domestic wire transfers of $2,500 or more; $40.00 for incoming foreign wire transfers; $50.00 for outgoing foreign wire transfers.
