CoBank Cash Manager integrates your transaction processing with the sources of your funds – whether loan or investment. This unique, integrated cash management solution fully automates your loan, investment and transaction needs through CoLink, so activities are seamless and integrated.

Auto-Settlement
Rule Sets form the core of CoBank’s Cash Manager. With rule sets, you establish the posting rules and can re-define them at any time. Transactions automatically settle against your loan and/or your investment accounts, based on your pre-defined rule sets. This automatic application of funds keeps you in control and saves you time.

Payment Services
Controlled Disbursement provides same-day notification of final disbursement totals early each day. By 9:00 a.m. Mountain Time, you will know the total amount to clear that day, which enhances cash forecasting and planning. Several companion products are available.

• Check Image organizes and stores canceled checks digitally. As the bank processes your checks, the system converts each item into a digital image. When you receive the monthly statement, instead of getting the original checks, you will get an exact image of the front and back of each item on an easy-to-store CD-ROM. Multiple search options make it easy to locate specific checks.
• Account Reconciliation Plan (ARP) automates the reconciliation of your bank account statement, providing you more time to manage your funds and your business.
• Positive Pay service assists you in protecting against check fraud and provides early warning of check irregularities such as encoding errors and multiple postings.
• Tiered Accounts can be set-up to correspond to those in your accounting system or those in different business units.
• Detailed Reporting provides you with the details of the previous-day’s transactions online through CoLink. This is in addition to the summary reporting you receive daily via CoLink. As a result, you can track individual items accurately and make key business decisions quickly.
• Automated Clearing House (ACH) funds transfer gives you a reliable, efficient and cost-effective electronic system for sending and receiving payments. We offer several popular ACH applications.
• Payroll Direct Deposit service effectively and efficiently deposits your employees’ pay on time, no matter where they bank.
• Direct Credit/Debit service automatically provides direct credits/ debits to your suppliers or customers based on the schedule that you set.
• Tax Payment service allows you to make federal and state tax payments electronically.
• Commercial Card Services provide the purchasing power of a credit card with the added benefits of flexible purchasing controls and detailed reporting. The CoBank Commercial Card allows you to tailor each card to one or more uses, so there is no need to have a card for travel and entertainment and a separate fleet card. You also control the credit limit assigned to each card and can choose the reporting method that fits your needs.

Collection Management Services
Automatic Cash Concentration Service automatically moves funds from your depository locations to CoBank — where your funds can work for you, either paying down a loan or earning interest in an investment. Funds are moved automatically, based on the dollar threshold that you set.

Electronic Check Deposit Service utilizes state-of-the-art image technology to help clear your checks faster — and from the convenience of your office. This process can translate into collecting funds faster. In addition, you save time and money by eliminating trips to the local bank to deposit your checks.

Merchant Services allow you to accept customer payments by Master-Card®, Visa®, American Express®, Diners Club®, Discover® and other card providers. Through CoBank’s combined purchasing power, our pricing is likely to be lower than what you can receive in the marketplace. Funds are credited directly to your account, arriving faster than other accounts receivable methods. We’ll even customize reports to your specifications.

Retail Lockbox Services are ideal for a company that receives low-dollar/ high-volume payments. With the use of a computer-readable scan document (remittance stub, coupon or voucher), a retail lockbox can capture data used to update your accounts receivable system, reduce the cost of collections and free your staff to handle more important customer relations.

Wholesale Lockbox Services handle business-to-business payments. It allows incoming payments to bypass your corporate office and go directly to the bank. You reduce incoming mail handling, processing, and collection float — giving you use of your money much faster.

Investing at CoBank
CoBank offers two options to help you meet your financial goals. Thanks to CoLink® — CoBank’s online delivery channel — investing funds has never been easier. You have the power to manage investments online and conduct transactions when you're ready. Through CoLink, you can view investment rates daily as well as see your investment interest accruals. Investments are available through our alliance with AIM Institutional Funds® (AIM) and CoBank’s InvestLine services. Whichever strategy works best for you, there’s easy access to your cash — plus the rewards of competitive rates and
limited risk.

AIM Funds
We’ve chosen AIM, one of the nation’s most respected investment organizations, to give our customers expanded opportunities to invest excess funds. AIM ranks as one of the nation’s top mutual fund families and offers six money market funds rated triple-A by Standard and Poor’s, Moody’s, and Fitch IBCA. Through AIM, we offer several investment portfolios designed to meet short-term investment needs.

InvestLine
InvestLine offers attractive investment opportunities at competitive rates. Additionally, there is no minimum investment or withdrawal limit. Maturities on these investments range from overnight to just over a year.

For more information on Cash Management services, call 1 (800) 542-8072, x04026 or e-mail colink@cobank.com today.