Liberty Business Cash Management

A world of cash management services.  That's money.

Really. Just look at all the services we can offer you. Liberty Bank is your one-stop resource for what you need to run your business right. Our rock-solid financial strength and our commitment to local, personal service, make us the perfect partner when it comes to managing your business.

Check out all the services Liberty Bank offers:

Remote Deposit Capture

Deposit funds without being away from the office. What could be more important to your business? Now using a PC, Internet connection and a check scanning device, you can submit checks for deposit directly from your business site. Whether your business is around the corner or you're always on the road, now you can enjoy faster access to deposited funds and the flexibility to bank when and where you want to. You can also consolidate deposits from multiple offices into one bank account.

View a demo for Remote Deposit Capture. Or contact a Cash Management Specialist at 860-344-7311 to learn more.

Payroll Processing Services

With your ongoing success in mind, we are pleased to announce that we are now offering a high-quality and cost-effective payroll service through TransGate. In addition to offering fast, accurate and dependable payroll processing for your business pay period after pay period, TransGate can help with payroll tax compliance, Workers Compensation Insurance, and HR resources that can help improve your productivity, cash flow and regulatory compliance, so you can focus on and grow your business.

In addition to the standard services you associate with payroll, TransGate brings much more power to your HR and Payroll needs including:

Workers Compensation

You may qualify for TransGate’s Premium Payment Program for Workers’ Compensation, a convenient and beneficial service that can free up cash and wipe out the guesswork related to workers’ compensation premium payments. Your cash flow matters…

  • No upfront premium deposit is required*, which frees up cash that you could use to pay for the materials needed to get a job up and running. What would you do with more money to invest in your business?
  • Premium payments are based on actual, not estimated, payroll data and carrier rates. This minimizes the shock of any over or underpayments at your year-end audit.

*Improved calculations of workers’ compensation premium payments to avoid large upfront premiums.

Time and Attendance

Stop spending unnecessary time tracking your employees’ hours, time off and more. By taking advantage of our automated system which seamlessly integrates with our payroll service, you can reduce the time you spend each week on old-fashioned paper timecards, payroll preparation, employee scheduling, wage and hour compliance, and paid time off tracking, and more.

Human Resource Services

Year after year, new government laws and regulations make navigating Human Resources compliance requirements more and more difficult. Keeping up is almost a full time job. Our HR411 service gives you a set of tools; resources and support to help you better manage your employees.

  • Comprehensive HR resources, including a Help Desk staffed by certified HR professionals
  • Integration with 401k and SIMPLE retirement services plans

Merchant Processing

Opening up a store? Need to accept credit cards as payment? Let us help you take payments on your website, in your place of business, or even on the road. Whatever you need, TransGate has a credit card processing solution that’s perfect for your business. With our Low Cost Guarantee and expert service, you can relax knowing that you are getting to the services you need when you need them.

Opening a Merchant Account with TransGate, will allow your business to accept credit cards, debit cards, smart cards, and electronic benefits transfer (EBT). Sign up for a merchant account and you can accept an authorized credit card through the use of a “credit card terminal” or your Point of Sale system (POS). With your account from TransGate, Visa, Mastercard, Discover, and American Express transactions will all appear on the same statement with next day deposit of your funds.

If you already accept credit cards, call to schedule an in person analysis of your existing service and equipment to ensure that your rates are competitive and your equipment is up to date. Constant changes in compliance regulations and new payment options that your customers will ask about like the new secure EMV(Chip and Pin) require a local partner for personal service.

Advantages for your business with TransGate:

  • Local Service from consultation to terminal installation
  • EMV – Chip and Pin terminals
  • No contracts 
  • Competitive equipment pricing
  • Gift cards

Overnight Investment

Overnight Investment keeps your money working for you. You get the benefit of earning interest on idle funds in your business checking account. Balances above your target balance (the amount you wish to remain in your checking account) are automatically swept on a nightly basis to/from a Money Market account.

Online Wire Transfers

Using our online wire transfer module you can make secure, same-day USD payments to accounts at other banks or overseas. And if you'll be on vacation, you have the option of scheduling future dated payments.

Zero Balance Accounting

Link your business checking accounts to a central concentration account and maximize the availability of your money. Zero Balance Accounting frees you from having to make routine transfers by providing an automated process for funding or debiting multiple checking accounts.

Lockbox Services

Spending too much time with the mailman? Our Lockbox service can streamline delivery, deposit processing and check clearing times, saving you money and minimizing the need for staff. Payments are delivered to a post office box and picked up daily by the bank. We'll open the mail and credit the checks to your account by 2 p.m. daily, documenting account activity via Secure E-Mail.

Automated Clearing House (ACH) and Direct Deposit

Use ACH for your repetitive and non-repetitive electronic transactions. It's less work for you, and a more convenient way to manage your federal and state tax payments, accounts payable and employee payroll. You can also reduce payment-processing costs and eliminate lost or stolen checks. And if you designate payments be directly deposited to your business bank account, you can reduce paperwork and making the funds available faster.

Night Deposit

Many Liberty Bank branches are equipped with night depositories. Your deposits are processed the next business morning unless otherwise specified. Zipper, disposable and locking deposit bags are available. When it comes to your business, we understand it’s all about convenience, convenience, convenience.


Our business is to support your business. There’s no better example of this than LibertyLine. Get your business bank account information 24/7 with our automated telephone banking system. Call (800) 622-6732 for balances, recently cleared items, interest postings, current deposit and loan rates, branch locations, hours and more. Transfers between Liberty Bank accounts can also be made through the LibertyLine with a Personal Identification Number (PIN).

Coin and Currency Services

It’s time for a change. Make your bulk coin and currency purchases and deposits at any Liberty Bank office. We’re happy to serve you.

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