We’ll help you make the wisest use of both your time and money using services that facilitate investments, enhance funds availability, and streamline your operating efficiency.
	Sweep Accounts – transfer funds as needed using either a daily investment account, line of credit or another checking account.*
	Zero Balance Accounts
	ACH and Wire Transfer Services
	Lock Box Services

Business Checking Our business checking is available to corporations, limited liability companies, municipalities, partnerships and sole proprietorships. While there is no minimum balance required on this account, fees for services used are accumulated throughout the calendar month and assessed on the 15th day of the following month. You also receive a competitive earnings credit (adjusted for reserves) to help offset and in some cases eliminate your service charge. You can combine all of your checking accounts together via the analysis system — operating, payroll, etc. and receive only one service charge for your entire relationship.
Features		Benefits
	No minimum balance required		Allows you to use your extra cash for investments, loan payments, etc. saving you money
	Aggressive float schedule		Your money is collected and made available to you more quickly, allowing you to use your money faster
	Analyzed account		Gives you the flexibility of combining your entire banking relationship for service charge purposes
	Competitive earnings credit rate		If you prefer not to be assessed a service charge, lower balances are needed to offset or eliminate your service charge
	Monthly statements		Allows for timely reconcilement and the ability to track service fees — you know exactly what you are being assessed and why
	Competitive pricing		Less costly

Overnight Repurchase Products Rocky Mountain Bank's Overnight Repurchase Products gives you, the business client, the ability to manage your time and cash more effectively. You no longer need to spend the bulk of your morning analyzing the timing of your receivables and payables to determine available or needed cash. With our automated systems, the "guesswork" and time spent by you is minimal. Automatically, we daily transfer funds to and from your Rocky Mountain Bank operating account as needed using either a daily investment account or line of credit.*
Features		Benefits
	Convenient		Daily decision making is eliminated saving you time
	Accurate Funds Movement		No guesswork is required on your part to determine your balance position and funding requirements
	Liquid		No idle balances remain in your operating account; funds are swept in and out of the account daily
	Flexible		Depending upon your cash cycle, you can choose either our Investment Sweep or Loan Sweep or combine them to meet your needs
	Daily Investment Statements Mailed		You can verify your investment dollars daily
	Secure Investments		Your underlying investment in our sweep product is a one day repurchase agreement—you have the security of knowing your dollars are safe
	Based on current market rates		You know you are earning a competitive rate on all your investment dollars
	Daily Interest Paid		Your interest compounds as it is credited to your account daily
	Monthly Statement		You can track your investments and interest income easily

InBusiness Internet banking has never been easier for your business. Rocky Mountain Bank offers its InBusiness product to those business clients who are looking for a way to do their banking without leaving their office. Using our internet product streamlines daily banking functions such as stop payments, balance requests and electronic transfers. The InBusiness integrated treasury management system provides a single point of access to banking products and services. We also give you the ability to view your paid items online by the click of a button. You no longer need to wait for your month-end statement to view an endorsement or signature. Using our InBusiness product will help you to increase your staff's productivity and allow you to perform banking functions on your schedule any time of the day.
Features		Benefits
	Internet access		No software to install or use up your hard drive space » Your account information is safe and secure » Your can review your daily funds position and make decisions quickly and easily
	Highest encryption standards		No need to wait for month end to reconcile your accounts; you can view your paid check and deposit information daily
	Access to multiple accounts		You can give access to account information at the user level keeping your account information confidential
	View both summary and detail information		You can transfer between your own accounts or originate each transaction to your customer base; you can even do direct deposit of payroll and make tax payments
	Assign multiple users and access levels		You can download your daily information to your Quicken, Quick Books, MS Money or to a comma delimited form — no re-keying of information
	Transfer funds		You can view quickly and easily both the front and the back of your paid checks and deposit tickets
	Download capabilities
	Online images
	Monthly Statement

Positive Pay Positive Pay is a service that allows Rocky Mountain Bank and their business clients the ability to work together to detect and virtually eliminate check fraud before the checks are paid. You send us your issued check file each time you process your payables system and we will automatically "match" that file to the checks that are presented for payment against your account. You will be notified each time a check does not meet your criteria and given the opportunity to return the check immediately.
Features		Benefits
	Accepts transmission each time you issue		Information is continually updated with no "per checks transmission" cost
	Daily Matching of Files		Catches unauthorized issued checks quickly
	Notified each time there is an unmatched item		Allows you time to review your payables to prevent manual "reissues" from being returned
	Notification can be fax, e-mail or telephone		Fits into your business guidelines for confidentiality

Merchant Processing Rocky Mountain Bank provides Merchant Processing to those clients who want to be able to accept charge cards as a source of payment from their customers. By using Rocky Mountain Bank's merchant program for credit card processing, you receive 100% credit the next day for your charge card payments. And, our fee structure is simple and easy to follow…no hidden costs to account for.
Features		Benefits
	Next day credit		Funds are automatically deposited into your checking account making your funds available for use the next day to pay bills, invest or pay-down on any borrowings you may have
	Electronic processing		Higher volume processing can be done quickly and easily using the electronic method of card swipe or keying program; you have the option of buying or leasing your equipment
	ARU processing		Lower volume needs are met with our Automatic ARU (telephone) method. No additional equipment is needed; you key in your charges using your touch tone telephone — you don't need to bring "paper" deposits to the bank
	Supported by your bank		Easy access for questions and problem resolution

Check Imaging Rocky Mountain Bank offers Check Imaging, a process where digital images of each check we process are captured and stored on disk. The images are then sorted, sized, and delivered to you in your monthly statement. Check Imaging not only provides you with an easy convenient way to store and organize your cancelled checks, but allows us to provide you with faster and less expensive research services should you require copies of past statements or individual checks.
Features		Benefits
	Clear, easy-to-read laser printed copies		Clear, easy-to-read laser printed copies
	Convenient storage		Paper statements are three hole punched and can be stored in three ring binders or you have the option of purchasing CD ROMs
	Easy, quick access to archived disbursement		Advanced search capability - checks and information deposits are stored numerically in chronological order
			Easy reference - the date the check cleared the bank, check number and amount are printed below each check image

Answerline Rocky Mountain Bank offers 24 hour service to obtain account information. AnswerLine is available 24 hours a day to those clients who would like to monitor their account balances and activity, and transfer funds free of charge using their touch-tone telephone.
Features		Benefits
	24 hour access		Anywhere a telephone is available; toll free number
	Automated Transfers between bank accounts
	Obtain current balances including last 20 checks & deposits

Credit Cards Rocky Mountain Bank offers MasterCard and Visa credit cards: MasterCard Classic, Visa Classic, Visa Gold, Visa Business (small), Visa Business (enhanced reporting) and Visa Platinum.
Features		Benefits
	Competitive Rates		Low interest rates
	Website for up to date information		Easy access for support
	Easy to read statements
	Toll-free number for customer service
	Supported by Rocky Mountain Bank

eDEPOSIT Rocky Mountain Bank is pleased to add this newest product to their Cash Management package of services. eDeposit works with your PC, a high speed Internet connection and our innovative tools to create electronic check images and move them seamlessly from your business to your account at Rocky Mountain Bank.
Features		Benefits
	Deposit your daily check receipts without ever leaving your office		No need to interrupt work day to go to Bank
	Items transmitted by 6:00 pm MST are credited same day		Money is credited to your account quicker
	Confirmation of deposit via e-mail		Confirmation that the deposit has reached the Bank, usually within 10 minutes
	Multiple layers of security including passwords & 128-bit encryption		Highest level of security available
	Consolidation of accounts that were previously considered remote		Receipts from all locations deposited into one, Rocky Mountain Bank account
	Low, monthly cost includes equipment, tech support, customer service and equipment repair/replacement		Saves TIME & MONEY spent on daily trip to Bank to make deposit

*NOT FDIC INSURED * MAY LOSE VALUE * NO BANK GUARANTEE * NOT A DEPOSIT * NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY.