Cash Management

Payables

Strengthen your business connections through our reliable and efficient payment solutions. ESSA Bank simplifies the process of managing and processing payments, offering flexible options including same-day ACH payments to vendors, rapid wire transfers, and business credit cards for urgent expenses—all while providing easy payment tracking.

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ACH Processing

ACH is a simple, quick and secure way to pay employees, and service providers electronically while eliminating the costs and time constraints associated with manual payment processes.

Wire Transfers

Improve cash flow forecasting and send payments either same-day or on a future, scheduled date. All wire transfers are made securely by ESSA, so you can trust that your funds are secure.

Visa® Corporate Purchasing Card

Choose from standard Visa® Corporate Purchasing Cards for everyday business expenses or fleet-specific cards designed to manage fuel purchases and vehicle costs with detailed reporting.
Explore Purchasing Card Options

Direct Deposit Payroll

Provide the comfort and security for your employees to receive their pay directly into their bank account. ESSA Bank account holders utilizing direct deposit may receive the added benefit of the Perks@Work Program.

Direct Payments

Pay bills and collect payments electronically—from utilities and insurance to loan payments and customer invoicing. Direct payments offer a faster, more efficient way to manage both payables and receivables.

Corporate Cash Concentration and Disbursement

Efficiently transfer funds between your accounts at different banks while cutting costs and boosting productivity. You’ll spend less on checks, save time on reconciliation, reduce errors, and eliminate issues like lost checks or manual processing delays.

Added Employee Benefits

Employees enjoy free interest checking with complimentary checks and a no-fee check card, plus the flexibility to automatically transfer deposits into savings, checking, or IRA accounts. Additional perks include a Visa® Gold Reward credit card with no annual fee and reduced rates on qualifying consumer loans with automatic payment (both subject to credit approval).

Receivables

Take control of your cash flow and time management with our accounts receivable services. Choose from numerous solutions that enhance payment convenience and security for customers, modernize your records from paper to digital, and expedite deposits.

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Remote Deposit Capture

Streamline your deposits by scanning checks right from your office—Remote Deposit Capture offers same-day fund availability (funds deposited prior to daily cut-off time), affordable monthly pricing with no per-item fees, plus a complimentary scanner and training.

ACH Collection

Increase efficiency by automatically collecting regularly scheduled, recurring payments from your customers. ESSA debits the paying account and credits your account the same day.

Lockbox


Improve cash flow and simplify receivables management with Lockbox services featuring daily processing, reduced mail float, real-time online reporting, and customizable solutions for businesses of all sizes.

Merchant Services

When it comes to growing your business, keep the four ‘C’s’ in mind: customers, convenience, cards, and checks. With our Merchant Services, you’ll receive the equipment, software, and technical support you need to accept charge and check payments.

Learn More About Clover®

Mobile Deposit with goVivo®

Say goodbye to bank visits—use goVivo to deposit multiple checks securely from your mobile device. Just snap a photo each check for quick deposit and enjoy next-day availability for transactions completed before 8 p.m. EST.*

Online & Mobile Banking Services

Enjoy 24/7 online access for all your business banking needs. Our comprehensive eBanking platform empowers you to manage every aspect of your business finances efficiently with real-time, around-the-clock access.

Transfer Funds

Easily move money between accounts, to and from a line of credit, or across multiple financial institutions.

Improve Cashflow

Control cash concentration and disbursement so you can reduce excess balances and increase interest earnings.

Assess Balances & Transactions

Decide if you need to invest, move money around, or borrow funds, and find details on deposits, checks, transfers, and more.

Direct Deposit Payroll

Provide the comfort and security for your employees to receive their pay directly into their bank account.

Access Your Data

Export account transactions to Quicken, QuickBooks, Excel and more or other financial software platforms.

Pay Bills

Pay your bills online for added convenience and speed.

ACH Origination

Perform ACH origination transactions with other financial institutions.

Payment Stop & Go

Initiate wire transfers and send stop payments all from the goVivo platform.

eStatements

Reduce paperwork with convenient online monthly statements.

Fraud Prevention

While financial fraud increases, your protection does too. ESSA integrates powerful security measures into the services you already use to keep your funds and information secure. Gain clearer account oversight through online statements and stop fraudulent check and ACH transactions with Positive Pay—modern defenses that help you outsmart the latest fraud schemes.

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Positive Pay

Positive Pay protects against check fraud by automatically comparing presented checks against your issued check list, alerting you to suspicious activity so fraudulent items can be reviewed and rejected before payment.

ACH Positive Pay

Stop fraudulent ACH debits before they happen. Designate which vendors can automatically withdraw funds, and receive instant alerts to approve or deny any unexpected transactions.

eStatements

Enhance security by eliminating the risk of mailed statements being intercepted. Enjoy 24/7 online access to your statements, keeping your account information easily accessible for constant monitoring, wherever you are.

Online & Mobile Banking With goVivo

Get access to real-time account information with Business eBanking. With customizable email alerts and a business mobile app, you can stay connected to account activity while on the go.

Account Reconciliation

Simplify month-end closing with Account Reconciliation services that automatically match your issued items with cleared transactions, saving time and reducing errors in your financial records.

Liquidity Management

A healthy cash flow gives your business the financial agility it needs. With our liquidity management solutions, you can optimize unused funds without sacrificing immediate accessibility for unexpected opportunities or expenses.

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IntraFi Network Deposits

IntraFi combines first-class financial security with fast access to your funds and yields. When placing funds through IntraFi Network Deposits, you work directly with ESSA and we do all the legwork. Your deposit is sent from your transaction account at ESSA into deposit accounts at other IntraFi Network banks in amounts below $250,000, the standard FDIC insurance maximum. As a result, you can access FDIC insurance coverage from many institutions while working directly with ESSA Bank.
Learn More About IntraFi

Zero Balance Account

A Zero Balance Account helps businesses manage multiple operating accounts efficiently by linking them to a central master account. Each sub-account (such as payroll, expenses, or departmental accounts) automatically draws funds from the master account to cover payments and returns excess funds back at the end of the day, keeping the sub-account balance at zero. This structure simplifies reconciliation, centralizes cash control, and prevents idle balances across multiple accounts.

Sweep Account

A sweep account automatically transfers excess funds from your business checking account into an interest-bearing or investment account at the end of each business day, and moves the funds back as needed. This ensures your money is always working for you — earning returns when idle and maintaining enough liquidity to cover daily operating expenses.

Cash Concentration Account

A cash concentration account automatically consolidates funds from multiple accounts — whether across departments, branches, or even different banks — into one central master account. This gives your business a clear, centralized view of available cash, simplifies transfers, and improves control over liquidity, investments, and borrowing decisions.

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