Keep Cash Flowing

Cash Management

Streamline payments, deposits, and account management with tools that save time and add control.

Tools for Your Day-to-Day

Running a business is never just about the big wins. It’s also about the small, everyday financial tasks that keep everything moving smoothly. At Lowell Five Bank, we offer cash management tools designed to make handling deposits, payments, and account transfers simpler, faster, and more secure. By working harder for you, you can focus on what really matters: growing your business and serving your customers.

With Digital Banking, your accounts and cash management tools are always within reach. And our Business Banking Advisors are here when you need them, guiding you, answering questions, and helping you make the most of every tool. We’re not just a bank; we’re a partner who’s invested in your success and ready to go the extra mile.

Core Services

ACH/EFT

Skip the checks and trips with secure, automated payments and deposits.

Pay employees with direct deposit payroll
Send vendor invoices and federal/state tax payments
Collect funds for recurring charges, such as membership fees and dues
Choose same-day or future-dated ACH processing
Transfer funds in and out safely, with automatic prenotes to catch errors
Reduce costs with less paper, fewer checks, and decreased printing expenses

Remote Deposit Capture (RDC)

Scan and deposit checks without leaving your office. Ideal for businesses with frequent or high-volume deposits.

Process large volumes quickly
Reduce fraud risk with early detection of returned or altered checks
Review detailed electronic records and centralized views of deposits from multiple locations
Receive email confirmations as deposits are processed
Process deposits within 1 business day

Wire Transfers

Send payments quickly and securely right from your Lowell Five Bank Business Digital Banking Account.

Initiate transfers from your computer or phone
Create templates for recurring payments
Set customized security access levels for employees
Each transfer reviewed by a Lowell Five Business Banking professional
Receive confirmation when transfers are sent
Track and report all wire transfer activity

Positive Pay

Add an extra layer of security with automated check verification and fraud protection.

Compare issued check data to your electronic files
Ensure checks are paid only for the correct amount
Flag altered or past-date checks before payment
Electronically void and reissue problem checks

Lockbox Services

Increase efficiency and streamline your payment processes by safely directing your payments to Lowell Five Bank Lockbox Services.

Lowell Five Bank will collect, process, and deposit payments for your business
Eliminate manual check processing and bank trips
Speed up payment collection and deposit times
Reduce risk of internal errors, fraud, and theft
Improve cash flow and access to funds
Create customized reporting for your records

Sweep Accounts

Automatically move surplus balances between your Lowell Five accounts to maximize your money’s earning potential or reduce debt.

Maintain sufficient balances to cover outgoing payments
Earn more by transferring surplus funds to interest-bearing accounts
Reduce interest expense by paying down your Line of Credit automatically

Real Estate Management Tools

Lowell Five Bank offers customized banking services targeting the needs of property management companies.

A Toast to Community

From honoring tradition to creating something entirely their own, Marble Ridge Winery’s story is one of legacy, craftsmanship, and community. Hear how they have transformed a historic property into a local destination where people come together to share experiences, all while crafting world-class wine right here in Massachusetts.

Connect With a Business Advisor

Our experienced Lowell Five Bank Business Advisors are here to guide you through every step of your banking journey. From selecting the right accounts and services to managing loans, payments, and cash flow, our team provides the expertise and support you need to make confident financial decisions.