ROI: Royal Office Insights
Powerful Treasury Management Tools
For businesses of all sizes one of the most important metrics of success is ROI (Return on Investment). We’ve renamed our suite of business solutions ROI (Royal Office Insights) in recognition of the important role these tools can play in helping you achieve your goals and grow your company. From time-saving technologies to vendor partnerships which offer you access to big company solutions, these solutions can be custom-tailored to meet your specific needs and drive your return on investment.
Business Online Banking
We’ve made available to you the same exact tools our branch teams use each day to deliver our unparalleled customer 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.
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.
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.
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.
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.
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.
Help protect your business and reduce the potential impact of fraud with this easy to use and administer online tool for decisioning payments.
Insured Cash Sweep (ICS)
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.
Sweep Accounts / 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.
Health Savings Accounts (HSA’s)
Convenient tax-advantaged accounts for use with High Deductible Health Plans (HDHP). HSA’s enable depositors to save for current and future medical expenses and funds can be easily accessed via check, debit card or online BillPay. Unlike Medical Savings Accounts (MSA’s), unused funds in an HSA continue to earn interest and can be used for specific medical expenses at anytime.