• Lincoln Online 4 Business
• Electronic Imaging
• Commercial Sweep
• Super Money Fund
• Lincoln Works Plus
• TermNet / Merchant Services
• Courier Service
• Lock Box
• Business Visa
• Payroll Services / AccuPay Partnership

Lincoln Online 4 Business
Lincoln Online 4Business is a web based product, designed for companies who want to increase their efficiency. With Lincoln Online 4Business, online banking is easy and allows you to establish your cash position early in the day. You’ll be able to reconcile accounts, transfer funds, view balances, transactions, ACH and wire transfer.

How to apply:

If you are already a customer with a business account at Lincoln Bank, simply contact your nearest office and we will schedule a convenient time to visit your business.

Key Features:

• ACH capabilities that allow processes such as direct deposit of your employees’ payroll
• Wire Transfer funds between accounts electronically with no additional forms to sign, fax or bring to the bank
• Submit Tax Payments Electronically
• Combine your business and personal accounts in one online portfolio
• Initiate Stop Payments electronically - no additional forms to sign, fax or bring to the bank
• We will completely customize the product to fit your company’s needs
• The highest level of security encryption
• Fees quoted based on total banking relationship of business

Electronic Imaging
Lincoln Bank is proud to offer you the latest in technology, including electronic imaging, which uses digital technology to capture, store, index and retrieve electronic images of paper documents.

Paper Images

• Paper images of cleared checks can be mailed to you monthly. Additional options with the paper images include front and back images and deposit tickets.
• This service is $3 per month.

CD Rom - Depot Express

• Depot Express. Includes a database to use various search options to view images of cleared checks. This option is good if you have a need for long term image storage and reference.
• The CD Rom service is offered at a charge of $15 per disk. Please see a Business Services Representative for more information.

Online Banking

• Check images available online for free—a convenient, inexpensive way to look at a check from the current statement.

return to top

Commercial Sweep
Designed for our larger Commercial Depositors, Commercial Sweep accounts provide the flexibility of a checking account with the ability to obtain much higher investment rates on excess cash while maintaining liquidity. Each day, anything above the “peg” balance in the account (minimum peg is $25,000) is swept into an investment account . Settlements are made daily between the checking account and the investment account.

• Funds are collateralized with bank securities
• Automatic investment of funds in excess of the established peg balance
• Daily settlement between the checking account and the investment account
• Freedom from restrictive Money Fund Accounts which limit monthly transactions.
• Funds easily accessed by writing a check
• Daily sweeps in $1 increments
• Good return on idle cash
• Excellent liquidity
• Minimum to open is $200
• Monthly administrative fee of $40
• May be tied to a Free Small Business or Business First Checking account
• Please contact us for more information

return to top

Super Money Fund
The Super Money Fund is an account specifically for public entities, hospitals, schools, universities and municipalities. This Tiered Money Market account pays interest calculated on a 365/360 day basis, credited to the account daily.

• The account is limited to public entities, hospitals, schools, universities, and municipalities.
• Tiered Money Market account paying interest calculated on a 365/360 day basis, credited to the account daily.
• Monthly statements will be mailed.
• Account activity is accessible via Lincoln Online banking, free of charge.
• Rate is based on the Fed Funds Effective Rate plus or minus a percentage depending on balance.
• Balances of $5,000,000 or more need approval by senior management.
• 7 calendar day written (faxed or emailed) notification is required for withdrawals of $1,000,000 or more, made to the Bank Account Manager.
• Money Market accounts are limited to 6 pre-authorized transfers per month, only 3 of which may be to a third party, as a Federal regulation.
• Daily rates may be emailed to a designated email address, by our Deposit Operations Department.

Lincoln Work Plus

Features:

• For employees of current customers.
• No minimum balance, no monthly fee.
• No per check charge.
• Earns interest on balances.
• FREE access to Online Banking.
• FREE online bill payment service.
• FREE telephone banking access. Call our TELEBANK at 1-888-655-5372.
• One box of checks FREE (Wallet 200x1 or Duplicate 150x1; Choose from green, blue, yellow, or grey specialty checks).
• No foreign ATM fees assessed by Lincoln Bank.
• 0.25% discount on consumer loans (subject to credit qualifications).
• Minimum daily balance to earn interest is $1.00.
• Ready Reserve line of credit for overdraft protection (Must qualify with credit approval and minimum of $500).
• Investment guidance available upon request.

Benefits:

• Added benefit for employees of your organization.
• No hidden charges - it's FREE.
• Easy and convenient to maintain.
• No need to worry about a minimum balance or per check fees.
• Low initial commitment - only $50.00 to start the account.
• Convenient 24 hour access with Debit Card, Telebank and Lincoln Online.

return to top

TermNet / Merchant Services

• Your one stop solution for accepting credit cards, debit cards and personal checks at a business
• Receive equipment and services from one of the largest independent merchant servicing companies in the United States
• For more information, please contact your Cash Management sales officer.

Courier Service

• Want to bank with us but don’t have a Lincoln branch nearby? No Problem! We can get a courier service for you. Please see a Business Service Representative for more information.

Lock Box

• We will accept and post payments for businesses. Please see a Business Services Representative for more information.

return to top

Business Visa

Benefits:

• Convenient - 24-hour access at thousands of locations.
• Save money with no annual fee and low competitive rate.
• Save money with discounts on service such as car rental, travel service, travel insurance, rental car insurance, and warranty services.
• Save time with the auto payment feature, which can be conveniently deducted automatically from the business checking account each month.
• Save time and minimize record keeping with monthly management reports.

return to top

Payroll Services

Lincoln Bank is proud to partner with locally-owned AccuPay Payroll to assist you with "turnkey" payroll services (www.accupay.com).

AccuPay is conveniently located on Emerson Avenue in Greenwood, just south of the I65/County Line Road exit #101. Established in 1994, AccuPay now serves over 400 employers in Central Indiana. AccuPay provides each employer with a CPP (Certified Payroll Professional) - CPA team to advise employers regarding payroll compliance, compensation and other payroll issues affecting their organization. We think you will also enjoy AccuPay's pricing which is generally 30% lower than the national payroll service bureaus. AccuPay can provide you with comprehensive payroll solutions, including direct deposit, tax filing, seamless interfaces with timeclocks and QuickBooks, and online payroll processing.

As a preferred business partner of Lincoln Bank, AccuPay has agreed to provide FREE set-up and your first month's payroll services FREE.

For further information about AccuPay's turnkey payroll services, contact Larry Shaub, CPA at 317-888-2047 or larry@accupay.com

Larry Shaub
317.885.7600
larry@accupay.com