Cash Management

Cash management services are designed to help businesses optimize their financial operations. These services include streamlining payments and receivables, mitigating risks, and enhancing cash flow. By leveraging these services, businesses can improve their financial stability and make strategic decisions for growth.

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Check Positive Pay

Harford Bank will compare check data uploaded by you to checks presented to the Bank for payment.
You are alerted if a check does not match the submitted information. Checks can be returned, if necessary, without any impact on your account.
Enjoy the convenience of writing a check with the security of knowing it won’t be processed without your approval.
Monthly service fee applies.

ACH Positive Pay

Harford Bank offers Automated Clearing House (ACH) Positive Pay as a fraud prevention service, which allows you to control your ACH transactions.
By setting approved vendors and limits, you have confidence that only transactions you authorize can pass through your account.
This service helps prevent unauthorized payments and enhances security by allowing you to manage and monitor transactions more effectively.
Monthly service fee applies.

Remote Deposit Capture

Method of transmitting deposits electronically with a scanner.
Improves your efficiency by limiting trips to the branch.
Digital check images are securely transmitted from the convenience of your office anytime.
Monthly service fee applies.

ACH Origination

Enhance your cash management activities by sending funds electronically through the Automated Clearing House (ACH) network.
Common ACH activities include direct deposit of payroll or other payments, and the collection of funds owed to you.
By utilizing ACH, you can expedite the overall cash flow of your business.
This service reduces risks associated with issuing and mailing a physical check.
Subject to credit underwriting. Monthly service fees apply.

Merchant Processing & Digital Services

Harford Bank has partnered with Evolv to provide merchant processing and digital services to our commercial customers.
As a leader in merchant processing and digital marketing solutions, Evolv has creative, cost-effective programs for all types of businesses.
Evolv gives you the tools you need to grow your online presence, drive more customers to your business, and increase your bottom line. They are dedicated to ensuring merchants are protected by taking all necessary steps to securing your solutions and reducing your risk.
Whether you take payments in-store or on-the-go, Evolv has options for you.