Cash Management
Maximize cash flow – and your bottom line

Managing cash flow is critical to managing a successful business. And whether you’re looking to monitor your cash flow more conveniently, collect receivables more expeditiously, or manage and move funds more efficiently, we can help. Our knowledgeable professionals can introduce you to a full range of cash management solutions designed to help build your cash flow – and your bottom line.

Online banking
Gain greater control of your finances. With this secure service, you can check balances, transfer funds, and more from any computer with Internet access. And with our ACH feature, you can initiate electronic transactions – right from the convenience of your desktop.

Remote Deposit
This convenient product lets you deposit checks for your business without leaving your office, helping you save valuable time and improve funds availability. Using a special scanner and the Internet, you simply scan your checks at your place of business, and we’ll deposit funds automatically into your First Bank of Delaware checking account. Click here to learn more...

Wire Transfer
Capitalize on an easy, fast, and secure way to consolidate funds and pay critical invoices. Choose to initiate transactions via paper or online.

Direct Deposit
Reduce check processing costs by automatically depositing payroll, expense reimbursements, pension reimbursements, or dividend payments in your employees’ accounts via Automated Clearing House.

Lockbox
Eliminate the time-consuming clerical task of processing and depositing paper check payments from your customers. With this convenient service, we collect and process payments each day from a post office box and deposit them on your behalf, saving you time and improving funds availability.

Automated Clearing House (ACH)
Collect and disburse payments automatically.  You’ll reduce check processing costs and will have the convenience of initiating and receiving transactions from your desktop.

Positive Pay
Improve your check disbursement methods, save time, and reduce your exposure to fraud and loss. With this convenient service, you can review online images of all exceptions before deciding which items to pay. Supplemented with our Account Reconciliation service, Positive Pay is regarded as one of the most effective ways to reduce check fraud.

Zero Balance Accounts
If your business has multiple accounts or locations, you can take advantage of our Zero Balance Accounts (ZBAs), which allow you to seamlessly consolidate funds into one master account and automatically fund disbursements as needed. You’ll consolidate funds more easily and maximize investment opportunities.

Account Reconciliation
Take advantage of detailed reconcilement reports and disbursement services that ease administrative expense, provide tightened control over disbursements and save you money. Just send us a file of issued checks, and we’ll generate a report of checks issued, cleared, and outstanding.

Deposit Reconciliation
If you have multiple locations, our deposit reconciliation service provides valuable information to help you identify and track individual deposits and credits by location.

Automatic Sweep Service
Automatically and seamlessly put excess funds to work for you with our Automatic Sweep Service. Each evening, excess funds will be automatically swept from your account into a deposit vehicle of your choice, or used toward your revolving line of credit with us.

IOLTA accounts
If your business is a law firm, we offer interest-bearing IOLTA accounts to help you manage client funds. 

Master Escrow Account Service
If you operate a title company, property management firm, or law firm, you can reduce the time and expenses associated with maintaining separate accounts with our Master Escrow Account Service.  With this convenient service, you are assigned a single master account and separate sub accounts for each client, reducing fees and facilitating record keeping.

International Banking Services
If you conduct business overseas, we offer a wide range of international banking services, including Standby, International and Domestic Trade Letters of Credit.