Regardless of size, all companies have cash flow management needs. Effective management of your business's funds is critical in today's competitive environment. Chinatrust Bank (U.S.A) provides your business with a full range of tools to maintain better control over your cash flow and to streamline your day-to-day cash management needs. We can help you increase the productivity of your cash by receiving timely account information, collecting customer payments faster and maintaining control of payments to your suppliers and employees. We combine the speed of innovative technology with highly customized services, many of which are available on the Web for even greater convenience. Click on the links below to learn more.

Disbursement and Collection Services
Payment Solutions
Information Reporting Services
Investment & Sweep Services
Other Cash Management Services

Disbursement and Collection Services

ACH Payments- Initiate Automated Clearing House credits to domestic consumers or commercial recipients. It eliminates the hassle of handling paper checks by conducting your transactions quickly and cost-effectively via direct mainframe data or PC transmission.

Wire Transfer - Initiate domestic wire transfers quickly and easily.

Payroll - Use ACH service to originate employee wages directly into their checking account. It reduces the cost of cutting, mailing and tracking paper checks.

Tax Payment - Pay your state and federal tax securely and conveniently through ACH.

Electronic Bill Pay – Make electronic payments to your vendors by crediting their accounts. Reduce costs associated with writing checks and control the settlement timing on payables.

Zero Balance Account (ZBA) - Allow you to link multiple disbursement accounts to your company’s master account, giving you efficient and centralized use of available funds.

Lockbox/Online Lockbox - This efficient, cost-effective system acts as a processing house for your receivables. It reduces mail processing and collection float, accelerates your cash flow and optimizes funds availability.

Payment Solutions

Commercial Cards - We partner with First Bankcard, a division of First National Bank Omaha, to offer business credit cards to our customers, a flexible and cost effective way to manage your business expense.

Merchant Payment Services - Accelerate your deposits and give your customers a convenient payment option. Accepting credit and debit cards increases sales, improves cash flow, and reduces check losses.

Information Reporting Services

Business Internet Banking

• View account activity, balances and statement online
• View detailed transaction history and download information to your accounting software packages or
• Spreadsheet formats (i.e.: Quicken or Microsoft Money).
  View images of your paid checks online
• Transfer funds between accounts
• Pay bills online
• Issue stop payment requests online
• Receive email alerts
• Send text files (e.g. ACH files) to the bank through a secure electronic channel
• Order currency
• Re-order checks
• Account Reconcilement

iAccount (台商連通帳戶) - iAccount is ideally designed for those U.S./Pacific-based SMEs which have headquarters in Taiwan, manufactory in China or Southeast Asia, or/and products sold to USA and Europe. With many international cash management functions, it is capable of aggregating more than 22 Chinatrust affiliate and subsidiary accounts through Chinatrust Taiwan Net Banking. Chinatrust customers are able to view account balance and conduct transactions between their related accounts with CTCB Taiwan, CTCB Hong Kong, CTCB Vietnam, Bank Chinatrust Indonesia and/or CTBUSA.

Investment & Sweep Services

Investment Sweep – Automated link between your business checking account and an investment account to maximize earnings on your idle funds.

Savings Sweep - A convenient cash management tool that allows you to maximize earnings on your savings account. It automatically sweeps excess funds between an interest-bearing savings account and a Chinatrust business checking account.

Commercial Loan Sweep - Provides automatic transfers between a commercial line of credit and a linked checking account.

Other Cash Management Services

Courier Pickup and Armored Car Services - Fast, accurate and secure handling of your coin and currency needs.

Analyzed Business Checking - It optimizes your combined balances by generating an earnings credit that may be used to offset all or a portion of analyzed monthly service charges.

Speed, efficiency and cost-savings are the cornerstone of Chinatrust Cash Management Services. Set your business apart from your competitors by taking advantage of our innovative cash management services. For more information, call us at 626-299-5028, ext. 222. Our experienced cash management specialists are ready to help you create customized solutions to enhance your cash flows and take your business to the next level.