Corporate Cash Management Products

• Depository Account Services - Our full line of commercial depository products (ranging from business checking accounts to high yield money markets and certificates to target balance or zero balance accounts) are supported by a designated relationship banker for the best service experience possible. Multiple account relationships can be consolidated in order to increase efficiency and control disbursements to a single account.
  
  
• REPO Sweep Service - This product is geared toward high balance (over $100,000) accounts that want to efficiently invest excess daily bank balances into a Bank Repurchase Agreement that yields a competitive interest rate tied to the published Fed Funds benchmark. Allows you to combine your operating account, any short-term investments or money markets into one simple to use account. Balances over $100,000 are collateralized by negotiable government securities. **
• Gulfstream Sweep Account - This product is geared toward lower activity operating accounts (less than 300 item transactions per month) with substantial balances (over $25,000). We efficiently transfer any excess balances to our FDIC insured high yield money market on a daily balance in order to increase your interest income. Regulation D transfer limits of six per month apply.
  
  
• Remote Deposit Capture - Remote Deposit, in its most simple terms, is a service which allows a user to scan checks and transmit the scanned images to a bank for posting and clearing. The basic requirements for an RDC service currently include a PC, an internet connection, a check scanner and a service provider such as your current bank. Checks you receive at your corporate or bank location can be scanned to create a digital deposit. This digital deposit is then transmitted (usually over an encrypted internet connection) to your RDC bank or service provider who then accepts the deposit, posts the deposit to your account and assigns availability based upon your availability schedule.
  
  
• Corporate Lock Box Service - This product is designed for the corporate customer with high volume payment collection needs. The bank picks up your deposits daily from a designated post office box, provides reporting of deposited items daily, and creates monthly CD-Rom images upon request. This service is designed to off load work from your internal accounts receivable department and increases your efficiency through timeliness and automation.
  
  
• iView – is a software product that allows our customers to retrieve printable reports, data, files, and processed images independently, through our lockbox server, at their own leisure.  The product allows our lockbox customers the freedom to perform their own research queries and to store reports and images electronically.
  
  
• Positive Pay - This service allows Gulfstream Business Bank the ability to match checks with issued items to ensure the account holder actually wrote the check.  It is another step Gulfstream Business Bank is taking to protect itself and our customers by helping to prevent fraud.  The basic requirement for the positive pay system is a PC, an internet connection and Business Online banking access with Gulfstream Business Bank.
  
  
• eBiz Corporate Internet Banking with Business Bill Pay Module – No software to load!  No hardware compatibility issues!  Just have internet capability and you can have access to one of the best Internet Banking programs available.  Perform on-line transfers, request stop payments, reconcile your operating account daily, perform ACH file generation, initiate wire transfers, retrieve check images, direct deposit your company’s payroll and more.
  
  
• Imaging Technology - Our use of modern imaging technology makes monthly bank statements easier to handle. Instead of an unmanageable stack of cancelled checks you receive an organized packet of ready to file photocopies of your checks. There are ten to sixteen images per page listed in numerical order.  To enroll online click here.
   
• CD-ROM Service - Looking for an efficient way to store and retrieve all of your cancelled checks? We can create a CD containing all of your monthly banking transactions for a low monthly fee per account. This provides a quick and easy way for you to increase your customer service turn around time. You can research any bills paid or received in minutes.

• TeleBanc - Our state of the art telephone banking system allows you to obtain recent account activity summaries, transfer funds between accounts and even request a fax copy of recent activity at No Charge! This service is accessible via a 1-800 number and is available 24 hours a day, 7 days a week.
  
  
• Business Express - Why go to the bank when we bring the bank to you? You don't have to worry about interrupting your day to transact banking business. That's right, we have a network of bank representatives that will come to your office in order to pick up deposits or deliver documents. This service is a great way to increase your office productivity and it is free to qualifying business accounts.

**THE OBLIGATIONS OF THE BANK HEREUNDER DO NOT CONSTITUTE A SAVINGS ACCOUNT OR DEPOSIT WITH THE BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION