Bank of Pensacola – Cash Management

Cash Management

Bank of Pensacola offers Cash Management Services to help you manage your business cash flow. Through our secure online banking portal, you have access to products and services that make managing your cash flow more efficient.


  • Online Banking: Account access and transaction capability granted to select employees with varying levels of access and controls as predetermined by you.
  • Automated Clearing House (ACH): Fast reliable funds transfer, such as direct deposit for payroll or auto-debit for recurring receivables.
  • Wire Transfer: Initiates wires online with dual control and other security features. Or by phone with a unique PIN code.
  • Check Representation: Any non-sufficient funds items in your deposit automatically convert to ACH and represent up to two times before collection process begins.
  • Zero Balance Accounts (ZBA): Concentrates funds in a master account which sweeps to ZBA as items are presented for payment.
  • Positive Pay: Reduce fraud by electronically sharing your check register with the bank. We’ll only pay the checks you list.
  • Account Reconciliation: Automatic reconciliation, with detailed reports and audit controls, reduces your time and processing costs.

To learn more about our Cash Management Programs, contact us today at 1-800-874-3121.