Cash Management

The tools you need to
efficiently manage your business.
The tools you need to efficiently manage your business.

Cash Management

Accelerating cash flow is an essential component in successful cash management. The ability to access your financial data quickly and safely is vital. Avidbank’s online banking system is a secure and powerful tool for 24/7-account access, payables and receivables, and much more.

Accounts Payable

Efficient management of payables can reduce costs and clutter, and increase account security.

Automated Clearing House (ACH) Origination allows you to initiate electronic transactions through the ACH Network. You can distribute funds to your own accounts, to your vendors, or to your employees for Payroll and Expense Reimbursement. ACH Payments reduce costs while disbursing funds. Other benefits include: more predictable settlement and cash flow; reduction of lost check and fraud expense; and Increased payee satisfaction via prompt payment.

With Avidbank’s Bill Pay, you can manage your finances at your convenience. Check your balances. Pay your bills and schedule online bill payment for future payments. Send payments to others. Receive electronic versions of your paper bills. Overall, you will cut down on paper clutter and be able to manage bills more efficiently.

Positive Pay works by comparing and verifying the checks you issue to the checks presented for payment against your account. Any check that does not match your issue file in dollar amount or serial number is reported online as an exception item. Simply log in to review the exception item, and use the online tool to either pay or return the check. If you are unable to review the exception items, you may also select an automatic pay or return default. We help our clients build a comprehensive approach to safeguard your business, streamline payments and optimize cash flow.

ACH Control

Safeguard your accounts from fraudulent, erroneous and unauthorized ACH activity.

Reverse Positive Pay

This alternative to Positive Pay can be utilized to detect check fraud and reduce risk even in situations where timely issued check information cannot be submitted.

Full Reconciliation

Use this tool to automate reconciliation by receiving a detailed report or data file of all checks issued, paid and outstanding since the last reconcilement period.

With both domestic and international wire transfer services, Avidbank makes sending wire transfers as easy as going online. Through our partnerships with other financial institutions we are able to leverage a global payment network for international USD transfers. This network is made up of 50,000+ routing tables and authentication exchanges with 30,000+ SWIFT addresses. When we transfer USD to one of the 125 countries on the network, you can have the security of knowing that your principal is protected. The USD amount you send is the USD amount that shows up.

Outgoing Domestic and international wire cut off – 2:00 PM PST

Zero Balance Account service is designed for companies that maintain a general operating account and separate accounts for payroll, petty cash or other purposes. With Zero Balance Accounts (ZBAs) in place, all of the company's funds are concentrated into one operating account. Disbursements are made from subsidiary accounts, which always maintain a zero balance. This system allows our clients increased investment opportunities and reduces administrative expenses.

Accounts Receivable

The efficient processing of receivables has a significant impact on your successful financial performance. Avidbank is dedicated to operational excellence with a focus on assisting you optimize your receivables.

Automated Clearing House (ACH) Origination gives you the ability to initiate electronic transactions through the ACH Network. You can gather funds from your own accounts or from your clients’ accounts. ACH Collections service is a secure, fast and convenient way to manage receivables for your business. By automatically collecting payments, rent or fees, you will get paid faster. And you will increase your working capital and decrease collection headaches.

We offer lockbox services in a range of cities all across the U.S. If you receive payments in the mail, process payments in more than one location, or just want faster access to your funds, this may be the right product for your growing business. Let the bank open your mail, prepare your deposit, and credit your bank account for you. Lockbox services reduce processing costs while providing you with fast and flexible reporting options, check and invoice imaging, and secure, off-site storage of the data.

With Avidbank and 360Payments as your partners for merchant services, you can offer your clients more ways to pay you. A wide range of card and point-of-sales options are available with this one-stop solution for all of your payment processing needs.

As an Avidbank client, you can have your own remote deposit capture on your desk. Instead of bringing the checks to the bank, just scan them and the images will be processed and transmitted to Avidbank for processing. All you need is an Internet connection, your computer and a certified scanner that we will provide.

Wire transfer is the safest and fastest way to make and receive any payment. We can provide you with a convenient way to accept funds, whether your client wants to pay you in USD or their local currency.


Our ABA: 121143626


Bank Address:
1732 North 1st Street, 6th Floor
San Jose CA 95112
Contact: 650-843-2265


By adding to the layers of your existing security, Avidbank has the power to identify trends and mitigate fraud using sophisticated analytics and dynamic entitlements.

We have partnered with our online banking provider to offer you Risk and Fraud Analytics (RFA). RFA monitors transaction activities across all channels in real time and reacts proactively to detect and flag potentially fraudulent transactions. We continuously update the security solution to meet the latest threats and challenges, and regularly modify algorithms to enhance overall platform security. Our solution also includes native out-of-band transaction authentication, multifactor authentication (MFA), real-time alerts, and VeriSign® tokens to protect your transactions.

Please note that restrictions apply to some of our Cash Management Products including:

  • Agreement required
  • Credit approval required
  • Fees may apply

For more information on our Cash Management Products, please contact us

Need More?

We also offer a variety of Deposit and Lending products, as well as Online & Mobile Banking.