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Cash Management

Cash Management delivers online banking to our corporate customers. Businesses can enjoy the many features and benefits of e-Banking, and with the Cash Management add-on, you can also:

  • View EDI (Electronic Data Interchange). The practice involves using computer technology to exchange payment processing information.  EDI has replaced paper forms of many documents, including invoices, bills of lading, advance shipping notifications, student transcripts, healthcare claims and many others.
  • Offer Direct Deposit to your employees.
  • Transfer funds from and to your business accounts at other financial institutions.
  • Pay your vendors electronically (ACH).
  • Pay your federal taxes electronically through a secure environment.

Cash Management is a browser-based system that allows access from any PC on your network without loading additional software. The administrator for your company can provide just the right level of ability to multiple users who will have unique identifiers and passwords.

Contact us for more information or to request a service contract.



The Citizens National Bank recognizes Commercial Cash Management customer can be at a greater risk for Internet threats due to their exposure, nature of business and use of Internet services. In addition to the above mentioned security measures performed for the customer, below is a list of additional security measures enlisted for Cash Management Customers.

  • We require use of a Static IP Addresses or “Secure Tokens” for ACH access.
  • ACH file limits. We will enable a dollar value for ACH access. Any files beyond that file limit will be declined.
  • ACH file values are monitored for monetary limits.
  • ACH file time restrictions. We have enabled certain times of the day when you can and cannot initiate ACH batches.
  • Administrative controls. The Citizens National Bank enables authorized account holders with Cash Management Administrators online account access, as agreed upon within the Cash Management contract. These Cash Management Administrators have the ability to then create new Admins and/or Users and customize each Admin/User abilities within Cash Management.
    • The Citizens National Bank will perform maintenance on Cash Management Administrators, when and if requested by an authorized account holder.
    • Maintenance to Cash Management Users is left to the Cash Management Administrator’s discretion and will not be performed by The Citizens National Bank staff.
    • We place a “hold” status on new Admins/Users as well as alterations made to existing Admins/Users. That “hold” will only be removed when the authorized account representative contacts the Internet Banking Officer to verify the changes.
    • A system generated email will be delivered to both the Cash Management Administrator initiating the change and The Citizens National Bank Internet Banking Officer.
    • The Citizens National Bank has access to a user log, providing an accounting of Admins/Users access and usage report.
  • Wire access is not provided within Cash Management.
  • The ability to perform bank to bank transfers are not provided within Cash Management.

Adopt the above suggested customer awareness security procedures as well as the following best practices. By implementing these best practices your organization can reduce the risk of business and e-commerce disruptions resulting from inadequate technical security controls. Development of best practices begins with a sound security strategy and involves keeping one eye on the reality of Internet based threats and technology, and the other on the reality of the corporate environment.

The suggestions below are best practices but do not necessarily remove the possibility of system breach today or in the future. Please consult your IT administrator or your IT consultant for additional security recommendations.

Best Practices:

  • The commercial online banking customer should perform periodic risk assessments and control evaluations.
  • Update your antivirus and antispyware programs and perform regular full scans of all computers in the office.
    • This will tighten your internet security by reducing the risk of viruses and keystroke recognition threats.
    • Antivirus and antispyware programs should be no older than three years old.
    • Scans should be performed at least on a weekly if not daily basis.
  • Do not store or share IDs or passwords.
    • Consider your passwords with the same level of security you hold for other personal information such as a Social Security number.
  • Create strong passwords and change them periodically.
    • Use upper and lower case letters, numbers and/or special characters when creating a password, this will assist in making the password the more difficult to decode.
  • Consider dual control for ACH access (if your resources allow).
    • Enable Admin/user with the ability to create, copy, build, or upload the ACH file.
    • Enable different Admin/user with the ability to initiate the file.
  • Defer from using Floppy Disks, CDs, DVDs or Thumb Drives in your office computers.
    • To avoid the possibility of transporting malicious software (malware), avoid the use of these auxiliary devices.
    • If you must use this type of device, scan all foreign media before accessing.
    • Prohibit the sharing of devices between work and home.
  • Email security, use caution when receiving unsolicited emails.
    • If you don’t know the sender, delete the email or treat it as if it is malicious.
    • Even if you do know the sender, question links and attachments as they may be malicious.
  • Use caution when visiting websites.
    • Many malicious programs can be installed without the user’s knowledge.
  • Consider Cyber Insurance.
    • Cyber insurance is a broad term for policies that protect businesses against losses stemming from compromised computer systems. Cyber insurance covers threats such as computer viruses, denial-of-service attacks and identity theft.
  • Use a Static IP Address
    • A static IP (Internet Protocol) address is a number that is assigned to a computer by an Internet service provider (ISP) to be its permanent address on the Internet. Computers use IP addresses to locate and talk to each other on the Internet, much the same way people use phone numbers to locate and talk to one another on the telephone. By using a static IP address, Cash Management will only allow online access from the IP addresses listed with the bank. Please contact your ISP to determine the current status of your business IP address.
  • Use a “Secure Token”.
    • When using a Static IP Address is not possible, using an optional “Secure Token” will provide for added security. Secure Tokens provide a one-time-use password for entry in to your Cash Management account.
    • Using a Static IP Addresses and the optional “Secure Tokens” are two of our security features. These enhancements can substantially reduce the risk of fraudsters accessing your account information. We strongly recommended using Static IP. “Secure Tokens” are available for an additional fee.
If you notice any suspicious or unusual activity in your accounts, or if you suspect unauthorized access to your accounts, contact us immediately at 860-928-7921 or toll free at 888-928-7921.