Treasury Management Solutions

A business partner committed to your success.

Run your business more efficiently with Treasury Management solutions from Dime.

Dime Community Bank is a leading business bank in New York. We’re also a Small Business Administration (SBA) Preferred Lender in New York. For over 100 years, we’ve been helping local businesses thrive.

Dime Community Bank is a business partner committed to the success of your company. Our relationship managers help you through every phase of your business by providing customized financial solutions that evolve with the needs of your business. We are always within reach to answer your questions and provide fast responses to all of your requests.

Smart solutions¹ for your business.

ACH Origination Services

Move money conveniently, securely and efficiently.

You need the right tools to run your business and manage your cash flow as securely and efficiently as possible. That’s why Dime Community Bank works with you to provide Automated Clearing House (ACH) services to help you process your credit and debit transactions without the cost and time related to paper checks. If you issue or receive a high volume of checks, make payments, or process payroll, Dime has the right ACH solution for your business.

Dime Community Bank is a business partner committed to your success. Our relationship managers will help customize our ACH services to meet your company’s needs.

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Lockbox Services

Improve operational efficiency and profitability.

Does your business process a large number of receivables and payments by mail? Dime Community Bank has the right cash management solution for you. With our Lockbox Services, we’ll eliminate in-house processing costs, improve funds availability, and simplify your record keeping and reporting. Your customers simply send their payments to an address featuring your company name and lockbox number. We’ll deposit the check and provide correspondence, remittance documents and deposit summaries to your business each day.

Our relationship managers will work with you to structure the right lockbox solution to meet your needs.

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Positive Pay

Protect your business from check fraud.

Managing payment processing and check reconciliation can be daunting for any business, especially at high volumes. Dime’s Check Positive Pay solution enables you to protect your business by mitigating check fraud and improving operational efficiency through automated check reconciliation. We’ll match each check processed and presented for payment against a list of checks issued by your business each day. If exceptions are found, we’ll report them to your business for review, and you can make the final “go/no go” decision. We also provide ACH Positive Pay services.

The relationship managers at Dime Community Bank will help set up Positive Pay to protect your business for the future.

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Remote Deposit Capture

Save time and money when depositing checks.

As a business owner, you don’t have time to run to the bank every day to deposit checks. Dime Community Bank’s Remote Deposit Capture enables you to scan and deposit checks whenever you want, right from the convenience of your own office. We’ll set you up with a Remote Deposit Capture (RDC) portable check scanner and software, so you can scan your checks, review the images, and transmit them through a secure website to us for processing.

At Dime Community Bank, our relationship managers will walk you through the process so you can get back to running your business.

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Merchant Services

Provide your customers with convenience and flexibility.

As your business needs evolve, you need banking and payment solutions that will evolve with you. With Merchant Services from Dime, you can provide point-of-sale payment services for your customers with debit and credit cards without putting a drag on your business’s profitability. Our Merchant Services are a more affordable and effective solution to large merchant services providers, and you’ll get 24/7 local support — not some 800 number and a long wait time.

Dime Community Bank is committed to helping your business succeed, and our relationship managers will help you build the right Merchant Services solution for your business.

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Online Banking & Bill Pay

Manage your finances your way.

When you’re running a business, you barely have time to sleep, let alone stop by the bank on a regular basis. Dime’s Online Banking and Bill Pay takes the hassle out of business banking by enabling you to maximize your time while managing your bank accounts and bill payments when it’s most convenient for you. With Dime’s Commercial Center Online Banking, you can easily access balances and transaction histories, transfer funds securely between Dime accounts, pay bills and approve ACH and wire transactions.

A Dime Community Bank relationship manager will help you set up the right online banking and bill pay solution for your business.

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Business Mobile Banking

Manage your accounts on the go.

Dime’s Business Mobile Banking² app enables you to manage and monitor your accounts securely, check your balances and transaction histories, transfer funds securely between Dime accounts, pay bills, and approve ACH and wire transactions—all from your smartphone. You can even deposit checks anywhere, anytime with Mobile Check Deposit.

As a leading business bank in New York, Dime will help you run a more efficient business by putting access to your accounts in the palm of your hand.

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Zero Balance Accounts

Concentrates all funds into one central operating account.

A Zero Balance Account (ZBA) is designed for companies that maintain a general operating account and separate accounts for payroll, petty cash or other purposes. All of the company’s funds are concentrated into one operating account, and disbursements are made from subsidiary accounts, which always maintain a zero balance. This system allows for increased account control and reduces administrative expenses.

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¹ All products subject to Dime approval.

² Must have Dime Online Banking to use Dime Mobile Banking. Dime Mobile Banking App is available for select mobile devices. Mobile Banking is a free service from Dime. However, your mobile carrier may charge for data and text message usage. Transfer of funds and bill payments from savings and money market accounts are limited to six per monthly statement cycle.