Merchant

Business Services


At Two Rivers Bank, your business, no matter how small or large, matters. We offer a variety of services to keep your business running smoothly.

ACH Processing

  • Available through Two Rivers Bank’s Online Banking
  • AvailableUser-friendly
  • AvailableProvides timely payment collection and improve cash flow

Direct Deposit Payroll

  • Reduce processing costs
  • Timely payment
  • Safe and secure

Cash Management

  • Sweep funds between accounts electronically
  • Maintain optimal balances for account profit
  • Account profitability statements monthly

Remote Deposit

  • Allows participating businesses to scan checks for their deposit at their place of business
  • Transmit the images electronically to Two Rivers Bank
  • Credit is given same day
  • Eliminates travel time to the bank and precious time you could be servicing your customer
  • Specific computer requirements

Health Savings Accounts HSA

  • Tax-exempt spending and savings account, owned by an individual, used to pay for current and future qualified medical expenses
  • Individual must be covered by a High Deductible Health Plan (HDHP)
  • Account owner makes decisions on how to spend the money, versus a health insurance provider
  • Employers and employees may contribute1
  • No “use it or lose it” rules like Flexible Spending Arrangements (FSAs)
  • Tiered interest rate
  • Checks and/or debit card available

Merchant Credit Card Processing

  • Customized payment processing
  • Greater access to payment services
  • One-on-one approach
  • 24/7 Support

1Subject to federal guidelines.