Online Business Banking with Cash Management

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Your business is moving quickly, and we want to make it easy and convenient for you to stay ahead. With Blue Sky Bank’s Cash Management tool, you can access important business banking account information right from your computer. The Cash Management online platform provides a variety of banking tools, allowing you to handle business banking from your home or office at any time, day or night.

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Features of Cash Management

The Cash Management allows you to: 

• View your transaction history 
• View inclearing checks
• Transfer money between your Blue Sky Bank business accounts
• Make payments on your Blue Sky Bank loan
• View and download your monthly bank statements
• Direct Deposit Payroll - eliminate payroll checks by entering and submitting payrolls online using electronic ACH (Automated Clearing House) transactions
• Direct Payments - make payments to vendors or collect payments from your clients using electronic ACH transactions
• Secure Access 24/7

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Your security is our priority

Keeping your business’s financial information isn’t just important to Blue Sky Bank — it’s absolutely necessary. 

Cash Management utilizes the highest security standards in the industry, allowing you to manage your business banking in a convenient, secure way. Security features include: 

Advanced encryption

• Sophisticated encryption methods allow for reliable, safe, and secure transmission of your business’s most sensitive data.

Multi-factor authentication

• Layered security requires users to prove their identities using multiple verification methods, providing several barriers against fraud.

Dual control

• This feature reduces the risk of fraud by requiring two people to complete a single wire transfer or ACH batch transaction. Dual Control prevents a single user from creating or initiating an ACH batch transaction or wire transfer. One user is able to do a single action, but not both within the same transaction. 
• Dual Control also decreases the chance for errors because it requires a second user to review any ACH transactions or wire transfers before confirmation. Multiple users can be authorized to approve transactions.

Time restrict

• This feature allows administrators to limit the days and time frames of access to the online banking portal. This added security layer prevents access outside of set business hours. Different time restrictions can be customized and assigned to specific users.

IP restrict

• Access to accounts can be limited to certain IP addresses, such as the addresses belonging to computers at your business. This prevents anyone outside the IP network from accessing the online banking tool.

Contact us to learn more about our additional layered security options.

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Manage your business banking 24/7 with Bank-By-Phone

If you’re not near a computer, you can still access your accounts and manage your money. Simply call our Bank-By-Phone line, (877) 970-2265.

Banking by phone is free, secure, and available at all hours of the day. Call the line and follow the instructions outlined in the voicemail message.

Bank-By-Phone allows you to:

• Check your balances
• Review recent transactions
• Check if a check has cleared
• Transfer funds
• Make loan payments

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Wire Transfers

Wire transfers are electronic transfers of money. They’re safe, reliable, and fast. When you need to send or receive money almost immediately, wire transfers may be the right option. They allow you to send money quickly and cost-efficiently across the country or around the globe without having to send a check, money order, or cash.

Wire transfers are also one of the most secure ways to transfer money. They can be especially beneficial to businesses because once a wire payment is received in the business’s account, that business can be certain that payment has been collected and cannot be revoked or recalled. Wire transfers do not take several days to clear, unlike checks. A check may appear to have been deposited and cleared, but if a check is found to be improperly issued or presented, the depositor of the check may have the funds reversed. Checks also carry the risk of fraud, or a check “bouncing” for lack of funds. 

With a wire transfer, the sender must have the actual funds present in their account in order to initiate the wire transfer. This way, when the wire is received, the recipient can be certain that the funds have actually been deposited into their account.

Blue Sky Bank originates and accepts both domestic and international wire transfers. This can be done online and at any branch location.

Wire Transfer Fees:

• Incoming Wire Domestic – $5
• Outgoing Wire Domestic – $17
• Incoming Wire International – $35
• Outgoing Wire International – $50

Contact us or stop by any one of our branch locations for a complete price list on all products and services.

Wire Cutoff Times

Domestic wire: 3:30 p.m. CT for same-business-day transfer 

International wire: 1:30 p.m. CT for same-business-day transfer 

Any wire transfer instructions received after these cutoff times will be processed the following business day.

Incoming Wire Instructions

A bank wire consists of instructions about who will be receiving the money. This includes the recipient’s bank account number and the amount he or she should receive. 

To avoid processing delays, please use the following routing instructions for incoming wire transfers to Blue Sky Bank.

Wire to:
Blue Sky Bank
101 East 8th Street
Pawhuska, OK 74056
Routing #103101877

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For Credit to:
Account Name
Account Address
Account Number

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ACH Origination

With Blue Sky Bank’s ACH (Automated Clearing House) origination solution, you can easily and securely collect or transfer funds online. 

ACH is the most cost-effective method for making payments. You can use ACH to make a variety of electronic payments, such as direct deposit payroll, vendor payments, and tax payments. With Blue Sky Bank’s ACH solutions, you can automate and expedite collection of your receivables.

ACH origination is provided through Blue Sky Bank’s online banking platform and provides a variety of benefits and multiple payment types. Using this feature allows you to:

• Reduce risk of fraud and unauthorized access, as multiple levels of security can be used when creating and originating ACH files that provide internal controls and audits
• Streamline your accounts payable and receivable while improving cash flow forecasting by reducing checks and potential check fraud
• Spend less time reconciling by reducing check volume, making monthly reconciling fast and easy

Blue Sky Bank’s ACH origination offers several benefits designed to make business banking more convenient and simple:

• Automatic transactions. Schedule automatic generation of transactions for your review and release. Initiate and release batches from anywhere you have Internet access, eliminating trips to the bank.
• Transaction database. Create and maintain your transaction database, allowing you to keep your information organized and on file. You can view and/or print all of your past ACH activity, including audit reports.
• Recurring payments. Deposit recurring payments for payroll direct deposit and vendor payments, reducing accounting errors and providing your employees and vendors quick access to funds.
• Recurring collections. Execute recurring billings or collections from your customers, such as insurance premiums, monthly service fees, rent or lease payments, membership dues, or charitable contributions. 
• Consolidating funds. Consolidate funds from remote bank accounts into one main operating account at Blue Sky Bank.
• Quick processing. Same-day ACH processing is available at Blue Sky Bank.