Business Cash Management Solutions

Meet our Business Banker:

Brittany Sandeno

Brittany Sandeno
Commercial Banking Specialist
815-223-7300 LaSalle-Peru
815-207-4664 Joliet
bsandeno@myhtnb.com

I know running your own business demands your time and energy. Let us help you find innovative solutions unique to your business. At Hometown, we can provide you with the highest levels of service, trust and confidentiality specifically geared toward your business.

Business Solutions

Digital Solutions

Deposit Solutions

Payment Processing Solutions

Fraud Protection

Asset Solutions

Online Banking & Mobile Banking

Manage your business accounts on the go. Make transfers, schedule Bill Payments or make Mobile deposits at your convenience.

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Cash Manager

How Does your company manage payments as well as payroll?

Cash management is a web-based, password protected service that allows you to complete virtually all your transactions from the comfort of your office or home.

Features & Benefits

  • Dual Control—Customizable to fit any business
  • Transfer/Schedule Transfers
  • ACH Capabilities & Direct Deposit
  • Federal Tax Payments
  • Domestic & Foreign Wire Origination
  • Balance and Detail Transaction Reporting

Remote Deposit Capture

Do you wish you or your staff could make deposits from your office?

Your team can now scan checks for deposit at your place of business and transmit the images electronically to us. Save time by minimizing trips to the bank and save money by improving cash flow and funds availability.

Contact bsandeno@myhtnb.com to set up a demo.

Features & Benefits

  • Accelerated Clearing
  • Extended deposit time
  • Improved Availability
  • Enhanced Cash Flow
  • Reduced Return Item Risk
  • Reduced Processing and Transportation Costs
  • Consolidation of Banking Relationships

Re$ubmitIt®

Tired of dealing with returned checks?

Hometown National Bank's electronic check recovery service, Re$ubmitIt® significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recovery rate.

How does Re$ubmitIt® Work?

Re$ubmitIt® handles the collection process electronically from beginning to end, minimizing the collection time spent on your end.

  1. Returned checks are sent from Hometown National Bank to Re$ubmitIt®.
  2. The check is then process as an electronic check file for re-presentation while presenting checks at "smart dates" which improves the chance of collection.
  3. If the item is not recovered on the first electronic re-presentment, it is re-cued for a second electronic re-presentment (third total).
  4. If this third presentment fails, the check can be sent to Re$ubmitIt’s FREE secondary collections, or the check can be sent back to you.
  5. Upon settlement, 100% of the face value of the check is reimbursed to you automatically. The check writer's account is charged a state-regulated collection fee to cover the cost of collection.

To be Eligible for Electronic Recovery, a Returned Check Must:

  1. Be a personal check to a business (not business-to-business)
  2. Be under $2,500
  3. Be less than 180 days old from date of transaction
  4. Cannot have been already submitted twice electronically or by paper draft

What Happens to Ineligible Checks?

Returned items that are ineligible for electronic re-presentment are re-submitted to the check writer's account as a paper draft, subject to eligibility requirements.

How to Enroll in Re$ubmitIt®

  1. Contact Brittany in LaSalle at 815-223-7300 or in Joliet at 815-207-4664 to enroll your business account in Re$ubmitIt®.
  2. Once your first NSF check enters the system, Re$ubmitIt® will notify you with a secure User Name and Password for online tracking and email notifications.

Merchant Services

How does your company accept credit and debit card payments?

Hometown partners with Elavon to provide business customers with credit card processing programs. While Elavon is available 24/7 for your needs, Hometown is equipped to handle and maintain any processing need you may have without having to contact an 800 number. From common questions, to troubleshooting, to handling your yearly compliance; Hometown has you covered.

Features & Benefits of Card Processing with Hometown

  • PCI Compliance and Validation Support
  • Mobile Processing
  • 24/7 Support based here in the U.S.
  • Accept Cards on Your Website
  • Consolidation of Banking Relationships
  • Easy to use, EMV compliant Terminals
  • Smart Terminals and Sophisticated Point-of-Sale Systems

Merchant Statements

Access your statements as well as additional reporting tools anywhere by enrolling in My Payments Insider®. View statements, review sales reports, order supplies, watch help videos and more through My Payments Insider®

PCI Compliance

PCI DSS compliance is a necessary process that can be time consuming. With Elavon’s PCI Plus managed security services and Hometown’s Business Banking Team, we can help you address PCI DSS compliance challenges and give you more time to focus on your business.

Positive Pay

What check fraud protection is your company currently utilizing?

Leverage Positive Pay to Identify Fraud by matching the account number, check number and dollar amount of each check presented for payment against an uploaded file of checks issued by your company.

Features & Benefits of Positive Pay

  • Automate Check Reconciliation
  • Identify unauthorized checks before they are posted to your account
  • Minimize risk of loss due to fraud
  • Upload your own issued check files
  • Handle your own "approve" or "return" decisions

ACH+

What electronic fund protection is your company currently utilizing?

ACH+ is a fraud protection through Filter & Blocking. Filter and Blocking is a flexible fraud mitigation tool for commercial bank customers who have a large number of transactions posting to their accounts. ACH+ also allows the bank to add addendum information to your statement for EDI.

Business Credit Cards

The demands of business require quick decisions and purchasing power to get things done. With our Visa® Business Credit Card Products, you’ll have instant purchasing power to make large purchases or cover basic office essentials.

  • Visa® Business Real Rewards Card
  • Visa® Business Rewards PLUS Card
  • Visa® Business Cash Card
  • Visa® Business Card
Online Business Loan Application

CDARS

Looking for FDIC coverage and a way to earn interest on excess funds?

Certificate of Deposit Account Registry Service, CDARS™, is the most convenient way to enjoy full FDIC insurance on deposits of up to $20 million.

CDARS™ is the perfect solution for many depositors – from non-profits and public funds to businesses, advisors (including trustees, CPAs, financial planners and lawyers) and individuals.

With CDARS™, you sign one agreement and receive one regular monthly statement. This saves you from entering into multiple rate negotiations, tracking maturing CDs from numerous banks, and monitoring changing collateral values.

SWEEPS

Sweep Account takes care of moving funds between your accounts, money markets, or line of credit without your continuous monitoring. For example: set a sweep up to move excess funds from your Checking Account and transfers the funds into an interest-earning Account. Types of sweeps provided by Hometown include:

  • Money Market Sweep
  • Overdraft Protection Sweep
  • Line of Credit Sweep
  • Zero Balance Sweep

Other Solutions for Your Company

Combined Statements for Business Accounts

The activities of many Hometown National Bank commercial deposit and lending accounts can be combined into one easy-to-read monthly statement. Instead of receiving separate statements for each account, our combined statement option provides a history of transaction activity for multiple accounts owned by the same business customer.

Ask your Hometown National Bank personal banker for details.

U.S. Bank Voyager Fleet Card

The premier fuel and maintenance payment solution. Provides fuel, maintenance and service capabilities that dramatically simplify fleet management for businesses that operate light duty automotive and truck fleets.