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Cash Management

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Cash Management Solutions

Manage and monitor your company’s progress with Royal Office Insights (ROI), cash management solutions from Royal Bank America. Our time-saving tools and vendor partnerships offer big company solutions that can be custom-tailored to your needs.



Online Banking

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Mobile Banking

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Business Online Banking
We’ve made available the same tools our branch teams use to deliver unparalleled service so you can quickly and easily view and manage your entire portfolio. Choose from three service levels designed to meet the specific needs of your business. Download account activity into Quicken and QuickBooks.
Remote Deposit Capture
Deposit checks without ever leaving your desk. Increase productivity and enjoy extended cut-off times (up to 6pm on business days) to enable you to better manage your company’s cash flow. Choose from a variety of scanner options or our mobile app.
ACH Manager
Create and transfer ACH (Automated Clearing House) files and receive real-time status updates with this powerful business banking tool. Review ACH history and set thresholds to improve security and reduce fraud risk.
Merchant Services
From cutting-edge technologies like swipe readers that attach to your smart devices, to traditional POS terminals, at Royal we partner with a leader in the processing industry to deliver payment solutions that make it easier for your customers to do business with you.
Payroll Services
Offered in partnership with one of our region’s premier payroll service providers, this solution brings big business benefits to small and mid-sized companies and their employees. A simplified online portal supports swift and convenient payroll processing and direct deposit services are the ultimate employee time-saving perk.
Wire Manager
Complete control over the wiring process means faster processing of funds for your key vendors and suppliers. Integrated security and administration tools help protect against fraud without sacrificing the timeliness associated with wire transfers.
Positive Pay
Help protect your business and reduce the potential impact of fraud with this easy to use and administer online tool for decisioning payments.
ICS®, Insured Cash Sweep®

Working with a network of 3,000 FDIC insured banks, ICS® eliminates the need for multiple banking relationships by providing the peace of mind of FDIC insurance protection for deposits over $250,000 along with streamlined access to funds, unified statements and a single point of contact.

Royal Bank America is part of the ICS Network. When you place a large deposit with us using ICS®, your deposit is divided into amounts under the standard FDIC insurance maximum, so that both the principal and interest are eligible for FDIC insurance. As a result, you can receive coverage from many banks while working directly with just us. Placement of your funds through the ICS service is subject to the terms, conditions, and disclosures set forth in the agreements, including the ICS® Deposit Placement Agreement, that you will enter into with us. Limits and customer eligibility criteria apply. Program withdrawals are limited to six per month when using the savings/money market option. If you are subject to restrictions with respect to the placement of funds in depository institutions, it is your responsibility to determine whether the placement of your funds through ICS® or a particular ICS option or transaction, satisfies those restrictions. Insured Cash Sweep® is a registered service mark, and ICS® is a service mark, of Promontory Interfinancial Network, LLC.
CDARS®, Certificate of Deposit Account Registry Service®

Royal Bank America is part of a special network – the CDARS® network. When you place a large deposit with us, we place your funds into CDs issued by other banks in the Network – in increments of less than the standard FDIC insurance maximum, so that both principal and interest are eligible for FDIC insurance. As a result, you can receive coverage from many banks while working directly with just us.

Limits apply. Early withdrawal penalties apply. Funds may be submitted for placement only after a depositor enters into the CDARS® Deposit Placement Agreement with Royal Bank America. The agreement contains important information and conditions regarding the placement of funds by us. CDARS® and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.
Sweeps Account/Zero Balance Account (ZBA)
Maximize earnings and opportunities while maintaining liquidity by sweeping excess collected balances to your other Royal accounts or towards your loans.
Certificates of Deposit

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