Cash Management and Treasury Services:

We provide you with all the financial tools you need to manage your business.

Southwest Georgia Bank’s cash management and treasury services offer a wide array of opportunities to help your business become more efficient, free-up your time, reduce costs, accelerate the availability of cash, and minimize the collection time of your accounts receivables. Our goal is to provide you with the best services personalized to your individual needs, and a complete package of banking solutions that will make a difference to your bottom line. While we offer the latest in high technology services, we never forget that people bank with people. You’ll find that we’re always available for personal consultations to help you get the most from your cash management services. We’re large enough to offer you sophisticated and robust services and small enough to know your name and treat you like family. Inquire Now to learn more.

Cash Management Products and Services

Online Banking – Business

SGB Online Banking gives you access to your bank account information via the internet. Its banking anytime, anywhere and best of all it’s free! You can access basic account information, view current transactions, determine available balances, view and print your bank statements, view detailed account information including ATM and Debit Card transactions, view images of items paid front and back, and transfer money between accounts.

Bill Pay

Pay bills from your business online banking account, either electronically or by check.

Automated Clearing House (ACH) Origination

ACH (Automated Clearing House) Services enable you to electronically transfer or make payments to various payees, with our bank or other banks around the country.

Direct Deposit and Payroll Services

Direct Deposit service allows you to automatically deposit employees’ payroll directly into their checking or savings accounts, no matter where they bank, thus reducing your payroll system costs.

Sweep Investment Accounts

Excess funds in your business checking account can be automatically moved or swept into an overnight investment account, earning you interest. A combination of two or more accounts are implemented to manage your cash flow between your operating account used to make payments and receive deposits and one or more investment account(s) where your extra cash can earn a higher return. Once we determine an average balance that should be maintained in you operating account, extra cash gets swept into a money market account or other form of liquid, safe investment. When the balance in the operating account falls below the pre-determined average balance, money is swept back into your account in order to maintain the balance.

Wire Transfers

Have the ability to initiate wire transfers from the convenience of your own computer. Wire transfers allow the fastest and most precise timing of funds transfer anywhere in the United States.

Transfer Funds between Accounts

Move funds between your Southwest Georgia Bank accounts. Whether it’s a one-time transfer or a recurring transfer, or a Southwest Georgia Bank loan payment, you can set it up and forget about it.

Loan Information

Access loan balance information and make loan payments at Southwest Georgia Bank.

Positive Pay

Positive Pay can reduce/eliminate fraud by validating your checks presented to Southwest Georgia Bank for payment. We match the items against your check issued files prior to processing. Unmatched items are flagged as exceptions and referred back to you by email for a pay/no pay decision via SGB Online Banking prior to posting to your account.

Merchant Card services customized to your needs

Whether you’re a new business or looking to expand, our Merchant Program provides a convenient way to broaden your payment options. The ability to accept major credit cards increases sales, reduces check loss, expands your customer base and increases your cash flow, all at once. In addition, you are able to view all of your transaction activity online.

Remote Deposit Capture

With Remote Deposit Capture, Southwest Georgia Bank is never any farther away than your computer. It’s like having your own personal bank teller window at your business. Remote Deposit enables you to deposit checks into your accounts from the convenience of your office using a PC and a check scanner. All that is required is a Windows-based PC with an internet connection and a check scanning device. We provide the scanner that is designed to meet the needs of any business.