INTERNET BANKING
Real-time online access to your accounts. >more

SWEEP INVESTMENT ACCOUNTS
Earn income on excess balances. >more

LOCKBOX SERVICES - RETAIL & WHOLESALE
Maximize collections. Reduce expenses. >more

ZERO BALANCE ACCOUNTS
Improve your company's cash flow. >more

ACH ORIGINATION
Create and send ACH debit/credit files. >more

PAYROLL DIRECT DEPOSIT
Safe and convenient for you and your employees.  >more

POSITIVE PAY ACCOUNT
Minimize risk from fraudulent payments. >more

CONTROLLED DISBURSEMENT
Maximize return; minimize borrowing. >more

MERCHANT SERVICES
Fast settlement means better cash-flow. >more

COMMERCIAL CASHIERING SERVICES
Secure services. Online deposit reports. >more

CHECK IMAGE DELIVERY
Electronic imaging: quick, convenient access to paid check data. >more

TAX PAYMENT SERVICES / EFTPS
Options for making tax payments.  >more

WIRE TRANSFER - DOMESTIC & INTERNATIONAL
Transfer funds quickly. >more

24-HOUR NIGHT DROP
Convenient after-hours deposits. >more

ACCOUNT ANALYSIS
Earn credits based on account balances to offset fees for account services. >more

REMOTE DEPOSIT SERVICE
Deposit checks electronically from your desktop. >more



INTERNET BANKING
Business Online Banking is SBT's internet banking solution offering real-time online reporting of all transactions for our customers' accounts and commercial loans. Business Online Banking uses the most advanced encryption and authentication protocols available for the Internet. Our customers have access to the following services:
  • Internal funds transfers between SBT accounts
  • Initiate ACH transaction files
  • Comprehensive information reporting
  • View current and previous month statements
  • View current and pending transactions in "real time"
  • View loan balances and payments
  • Create stop payments and view all stop payments on file
  • Accounts can be grouped by customer-established criteria
  • Download all activity on statements to your current accounting software
  • Print statements or other screens anytime>top
SWEEP INVESTMENT ACCOUNTS
With a sweep investment account, SBT's commercial banking customers earn income on excess balances that are swept automatically each night, invested and transferred back the next day to meet daily operating requirements. With a sweep investment account, your business will enjoy:
  • Increased revenue from excess or dormant balances
  • Daily access to funds via Internet banking or Bank-by-Phone >top
LOCKBOX SERVICES - RETAIL & WHOLESALE
SBT's regional wholesale and retail lockbox remittance services give our customers faster access to their funds by reducing mail float, processing and funds collection time. Several options are available to maximize collections and reduce expenses related to collecting, clearing and reconciling receivables.

Wholesale Lockbox Remittance Collection:

  • Accelerates cash flow through improved availability of funds
  • Reduces processing costs
  • Increases security and audit controls
  • Offers daily deposit reports

Retail Lockbox Remittance Collection:

State-of-the-art remittance processing technology helps our customers clear checks, reduce mail float and improve funds availability. Receivables specifications are customer-defined and information can be formatted for transmission, CD-ROM or paper reporting. >top

ZERO BALANCE ACCOUNTS
Benefit from the elimination of excess balances in multiple accounts. Zero balance accounts are funded from a single master operating account by automatically transferring excess funds at the end of each business day to the master account. Integrated with a sweep investment account, invested excess balances can be the most effective way of handling daily idle cash. >top
ACH ORIGINATION
ACH services are a daily requirement for companies, not-for-profit associations, municipalities and school districts to concentrate their funds, create payroll direct deposits, pay vendors, and debit customers for services on a daily, weekly or monthly frequency. SBT offers several options for our customers to create and send ACH debit/credit files.

A component of our Business Online Banking system, Premier ACH enables our customers without ACH file capability to set up true NACHA files for direct deposit, concentration from other financial institutions and tax payments. >top

PAYROLL DIRECT DEPOSIT
SBT works directly with human resource departments and third party payroll providers to arrange safe convenient direct deposit into employee checking accounts. >top

POSITIVE PAY ACCOUNT
To minimize the potential risk of exposure from fraudulent payments, Positive Pay provides SBT customers with the ability to make "pay" or "return" decisions before checks clear the disbursement account. Our customers retain control over each exception item and choose to either authorize payment or return the check. Files can be sent daily or as often as checks are issued. Checks presented for payment  are compared with the customer's file and any discrepancies are immediately reported minimizing exposure to fraudulent checks and providing a tool for authorizing payment or return exception items. >top

CONTROLLED DISBURSEMENT
Our customers are notified each morning of the total amount of debits to be paid on their account that day. By funding the account with just enough to cover the disbursements by wire or internal transfer, our customers can maximize return on surplus cash and minimize borrowing. >top

MERCHANT SERVICES
SBT partners with credit card processors specially selected for their ability to deliver high quality customer service and satisfaction in a custom-designed package. >top

COMMERCIAL CASHIERING SERVICES
In Northern Illinois and the Chicago metro area, SBT partners with major armored courier companies to deliver state-of-the-art cashiering services in a secure and computerized environment. Our branches are strategically located in high volume retail areas in the Suburban Chicago area. Secure online deposit reporting information is available daily. >top

CHECK IMAGE DELIVERY
SBT's image technology offers a quick and convenient method to access and retrieve paid check data. Information is available by CD-ROM, printed off of Business Online Banking and/or exported to other PC and accounting applications.
  • Access check images
  • View paid check and endorsement information
  • Eliminate costs associated with check storage >top

TAX PAYMENT SERVICES / EFTPS
SBT offers tax payment services including direct payments made online via the Internet. >top

WIRE TRANSFER - DOMESTIC & INTERNATIONAL
SBT customers benefit from precise timing of payments as high dollar transactions can be completed quickly, maximizing the use of their funds. Repetitive wire transfers can be set up per customer-specified criteria, eliminating the need for daily instructions. >top

24-HOUR NIGHT DROP
Night-drop boxes are located at all branches to accept after-hours deposits.  >top

ACCOUNT ANALYSIS
SBT business customers benefit from a consolidated statement detailing all of their accounts, fees and balances. An earnings credit calculated from average balances is used to offset fees associated with services delivered. Because Account Analysis is flexible, we can tailor it to meet your cash flow requirements. Account analysis offers:
  • Detailed description of all account charges and transactions
  • Competitive earnings credit allowance on account balances
  • Account grouping allows multiple account balances to offset charges
  • Programs available to accommodate seasonal businesses
  • Monthly statements available online >top

REMOTE DEPOSIT SERVICE
SBT Remote Deposit Service allows you to make electronic deposits anytime using a desktop scanner that connects to your PC and the Internet. Desktop scanner scans both sides of checks received from customers in a single pass. The checks are automatically read and the deposit is totaled. Click SUBMIT and the deposit is transmitted through a secure Internet connection to SBT. Funds are then deposited into your account.
Using Remote Deposit Service offers several advantages:

  • Quick and accurate deposit preparation.
  • Convenience of 24/7 deposits.
  • Reduced transportation costs for trips to the bank to make deposits.
  • Ability to consolidate deposits to SBT from one or more remote locations.
  • Faster check clearing and access to funds.
  • Secure data transmission with password protection, firewalls & 128-bit encryption. >top