Cash Management Solutions

Better point-of-sale revenue, increased efficiency, and improved risk management protects your company's operating funds. We are here to help you succeed!

Remote Deposit Capture

Merchant Services

Lockbox - Donations and Payments

Positive Pay

Our Cash Management team works with you and your team to improve revenue and setup strong systems to protect your valuable assets.



Business-aa-male-dollar-sign-shutterstock_241879537BCT Makes Cash Management Simple

BCT's Cash Management system is integrated within our Online Banking platform.  You may access your accounts and services conveniently from your desktop or mobile device.1 


  • Business Online and Mobile Banking2
  • Single Sign-On (soft or hard token)
  • BillPay Authority (dual-control optional)
  • ACH origination (dual-control optional)
  • Domestic Wire Transfers
  • Transfers to other banks
  • Customized access for each user
  • Web-based.  No special software required.
  • Monthly Fee


1 Cash Management services are subject to approval.

2 Mobile Banking requires wireless service. Usage fees may apply. Contact your wireless carrier for details.


BCT Mobile App - Apple Devices




BCT Mobile App - Android Devices




Merchant Services

  • BCT partners with Banc Card of America
  • Credit card processing
  • E-Commerce and Card-Not-Present solutions
  • Integrated payment solutions in ERP-Voice Response
  • Secure government payments solutions
  • EMV, Encrypted, Tokenized payment solutions
  • Payments from Visa®, Mastercard®, Discover®, American Express®, PayPal®, Apple Pay®, and Google PayTM

Remote Deposit Capture

Deposit payment checks from the comfort of your office. We have you covered with single sign-on through BCT Business Online Banking and no deposit limits, seven years of history, multi-check capability, and multiple admin access.


Positive Pay

BCT's Positive Pay is an automated fraud detection tool. Match account numbers, check numbers and dollar amounts of checks against a file initiated by your business. Receive alerts for suspect items or exceptions. View and receive reports of paid and unpaid items.



Receive mailed payments and have them deposited on your behalf.  And it's done securely and without the need to leave your office. This may also reduce mail and processing float time so you receive funds faster. Lockbox services help you get paid faster!


Cash Management Support

Our experts work personally with your business to develop best-fit solutions to help your business meet Point of Sale and back-office needs.   

**NOTE:  If sending email to an officer below, be advised that email is not secure.  Do not send confidential personal or account information using email.


Kim Himes | SVP, Director of Digital Banking 

304-728-2499 | Email



Tim Lewis | EVP, Chief Retail Officer

304-728-2478 | Email



Steven Shaffer | VP, Cash Management Officer rand Leader

304-728-2406 | Email



Crystal Baker | Cash Management Support Specialist

304-728-2449 | Email