Built for Business
Business owners in Northern Virginia, Maryland and DC have trusted us to support their company’s finances and holdings. Our Treasury Management Services are designed to optimize your liquidity, manage your risks and protect your assets. However, the JMB experience goes beyond our cash management services and products.
Ultimately, what we’re offering is a partnership.
A team of experienced advisors who provide a consultative approach to maximizing your cash flow. A customized solution that’s a phone-call or email away. A commitment to the latest in financial technology.
When you choose JMB, you choose a financial partner that will devote time to getting to know you, your business and your employees through on-site trainings, routine visits and more.
Online Banking & Information Reporting
As a business owner, you’re always on the clock. With our online and mobile banking platforms, you can save time by easily accessing your account to transfer funds, make mobile check deposits and much more. As an added benefit of our bank treasury management system, JMB’s online platform allows you to integrate your QuickBooks® account, streamlining your financials for optimum efficiency.
When you open a Business Checking, Savings or Money Market account, you’ll receive access to 24/7 secure web-based tools through our Online Banking platform. You’ll have the ability to:
- Check balances and view transactions in real-time
- Enhance internal controls while reducing fraud
- Integrate QuickBooks®
- Utilize Positive Pay
- Transfer funds between accounts and related entities
- Pay bills online with Business Bill Pay
- Set up ACH payments
- Make wire transfers
- Stop payment on a check
- View check images
Fast. Convenient. Free*. With a touch of your finger, you can securely access all of your bank accounts. Need to check your balance? Deposit checks or transfer funds between your John Marshall Bank accounts? As part of our Treasury Management Services, our mobile business banking app allows you to do all of these and more. Pay bills, view check images or find the nearest branch. Banking has never been easier.
*While John Marshall Bank does not charge customers for our convenient Mobile Banking service, you should check with your wireless carrier for data rate charges and messaging fees that may apply.
Account Alerts notify you via email or text message regarding activity on your account. You can authorize alerts after enrolling in Online Banking. Through the platform, you can select the alerts you wish to activate and the notification method you prefer.
The frequency of text messages will depend on the alert options chosen. Alert settings can be changed at any time and in various ways. You can choose to remove your mobile phone number from the settings in the Online Banking Portal, modify your alert selections, sending STOP as a reply to an alert, or texting instructions directly to 20736.
Text messages will be sent by John Marshall Bank as Bank Alerts.
Our Online Banking platform is fully integrated with QuickBooks®. This allows you to seamlessly download your banking transactions directly into your QuickBooks. Process your transactions, track and categorize your deposits, expenses, bills, and more. With QuickBooks Direct Connect, you’ll be able to reconcile your accounts with just a few clicks, saving you time and increasing operational efficiency.
Receivables Solutions
Collecting and processing payments shouldn’t have to be a headache. Let us support these efforts with our host of products and services designed to reduce cost, save time and streamline your accounts receivables transactions.
JMB’s Remote Deposit Solutions (RDS) offer a convenient and efficient tool for you to process your checks from the comfort of your home, office, or even on the go. We ensure your financial data and account information is protected through our secure and encrypted system. With Remote Deposit Solutions you can:
- Deposit your checks from anywhere through your desktop or mobile device
- Accelerate cash flow by depositing multiple checks at once
- Increase efficiencies through the ability to see deposits that get submitted from multiple locations
- Scan client coupons and record invoice payments, making for an improved record keeping experience
- All deposits transmitted before 5:00 PM EST are credited to the account the next business day
Current JMB Remote Deposit Solutions Customers can fill out our RDS product questionnaire to help us better serve your business needs.
Keep your payments flowing and your business going with JMB’s numerous onsite payment products. While you’re out on the job site and on the go, these payment solutions allow you to make deposits from anywhere, no teller required.
Our onsite payment products include:
- Remote Deposit Solutions – Deposit checks from anywhere through your desktop or mobile device
- Clover® Go – Take payments wherever your customers are and accept cards, cash, and mobile wallets through the free Clover Go app and reader
- Clover® Flex – Customize inventory on the fly, print receipts, and more with this premiere mobile point of sale device
- Online Payments – Accept credit card payments over the phone through a virtual terminal
You provide the tools of the trade while JMB provides the tools to get paid. Click here to learn more about onsite payments.
Automated Collections using ACH is a secure, fast and convenient way to improve cash flow and manage receivables for your business. Our system automatically collects payments such as dues, rent, subscriptions, or fees – meaning your business gets paid on time. John Marshall Bank ACH transactions support same day origination, reduce errors, improve cash flow, and strengthens your vendor relationships
If your customers are mailing their payments, a LockBox service can help streamline your collections and overall accounts receivables process. The most efficient way to collect payments owed to you, LockBox Services from John Marshall Bank eliminates those internal accounts receivables expenses. This includes costs associated with manually opening, processing and recording payments received for deposit – all while improving cash flow in your operations. Our tailored LockBox services:
- Give you faster access to funds
- Improve the productivity of your office staff
- Virtually eliminate accounts receivables processing
- Provide electronic reporting that update payment records automatically
- Processes payments according to your exact specifications
- Provide online reporting, image archiving and exception item decisioning
Increase the security of your credit card payment processing, decrease costs and accelerate cash flow by accepting electronic forms of payment including MasterCard®, Visa®, American Express®, and Discover® as well as PIN Debit and Gift Cards. Cards can be accepted in both “card present” and “card not present” environments, allowing you to conduct business on online platforms. Plus, our EMV chip ready terminals transfer liability away from the merchant while protecting the sensitive data of the customer.
Payable Solutions
Maximize your working capital with John Marshall Bank’s accounts payable solutions. Through our automated and convenient services, you can accurately track your spending, make timely payments and coordinate your business expenses.
Take control of your cash flow with ACH services – a fast and secure way to manage payments. With ACH services from our bank treasury management system, you can automatically direct deposit payroll, make vendor payments, expedite federal and state tax payments and initiate pre-authorized bill payments anytime — quickly, securely and efficiently. As part of our Treasury Management Services, our ACH transactions support same-day origination, reduce errors, improve cash flow, and strengthen your vendor relationships.
Manage your money efficiently and improve cash flow directly from your office or on-the-go by paying vendors, creditors and others electronically – without having to write a check. Plus, it’s FREE, secure and conveniently available 24/7.
Use your John Marshall Bank MasterCard® debit card as a substitute for cash or a check. Conveniently pay for company expenses and enjoy unlimited ATM withdrawals using any ATM in the world.*
Your transactions are deducted from the corresponding business checking account at the time of purchase, giving you the ability to accurately track your spending.
Protect your financial data and keep your debit card safe by enrolling in the FREE SecurLOCK Equip program using the JMB mobile app.
*Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. JMB does not charge a fee for using another bank’s ATM. ATM fees will be rebated, once the transaction posts.
With a JMB Visa Premium Business credit card, you’ll be able to build your business and discover your growth potential without having to worry about funding options.
Purchase office supplies, furnish your office, or even lease an office space – the choice is yours with our business credit card options built for you.
And as an added benefit, companies with higher net incomes and nonprofit organizations are eligible for business credit cards without personal guarantees.
Reduce the costs associated with processing requisitions, purchase orders, and check requests with the JMB Purchase Card (P-Card) – our comprehensive purchasing card.
The JMB P-Card is an accounts payable solution for simplifying and consolidating your company’s travel, entertainment, or general payables disbursements.
Additional features within our bank treasury management system include:
- Rebate potential based on annual use
- Comprehensive reporting and payment records
- Superior spending control
- Transaction monitoring
- Supplier payment solutions
- Comprehensive reporting tools
- Tax and compliance management support
- Receive $100,000.00 protection, per instance, from misuse
- Reduce the risk of check fraud
Online Wire Transfer services give you the ability to allocate funds between financial institutions — in real time — through our Business Online Banking connection.
Perfect for scheduled or one-time transfers, this convenient feature is designed for both domestic and international transactions.
- Transfer funds without leaving your office
- Added security of Multi-Factor Authentication
- Automated alert confirmations via email including Fed Reference Number
- Process transfers reliably and securely
Cash Concentration & Liquidity
Through our Cash Concentration & Liquidity services, your business can increase its investment potential without having to keep up with the stock market. Choose from a variety of account options and watch your excess funds safely gain interest while you focus on your business.
A Commercial Sweep Account is a convenient and hassle-free approach to earning gains on your reserve funds. This account is ideal for managing a steady cash flow between an operating account and one that earns you higher interest rates. We’ll work with you to designate a pre-determined standard for automatically transferring – or sweeping – your funds between two or more accounts.
When you enroll in IntraFi Demand, the excess funds from your John Marshall Bank business checking account are automatically swept to participating FDIC insured financial institutions in the United States.
Sweeping your excess funds allows you to maintain each account balance within the FDIC insurance coverage limit of $250,000.00.
Similar to IntraFi Demand and Money Market accounts, the IntraFi CD option offers you the opportunity to maintain full FDIC coverage on CDs with balances over single FDIC institution limits. John Marshall Bank will establish accounts for excess money in CDs at participating FDIC-insured financial institutions in the United States.
Enjoy cash concentration of funds through the use of Zero Balance Accounts through our bank treasury management system. By concentrating deposits, certain account numbers can be protected, overdrafts are minimized and excess funds can be combined to earn interest.
While our advanced financial technology has made it easy to transfer funds between accounts, we recognize that some traditional banking practices can’t be replaced. We offer Armored Car Services to meet these business needs.
Whether it’s the pickup of deposits, large cash volumes or valuable securities, you can feel confident in knowing your assets are being safely transported to one of our branches.
*Armored Car and Courier Services are offered through third parties managed by John Marshall Bank. Terms and conditions apply to deposit limits. Please speak to your Treasury Management Sales Officer for more information, including costs.
Successfully running a company requires focus not fuss. John Marshall Bank provides courier services to help you concentrate on what matters most – your business. We’ll collect payments from your medical practice or office and safely transport them to your local JMB branch for processing.
*Armored Car and Courier Services are offered through third parties managed by John Marshall Bank. Terms and conditions apply to deposit limits. Please speak to your Treasury Management Sales Officer for more information, including costs.
Fraud Prevention Solutions
Protecting your business assets is one of our top priorities at John Marshall Bank. You’ll find that our fraud prevention solutions are integrated into our Treasury Management Services as a reflection of this commitment. We secure your financial information and provide a safe platform for you to conduct your daily business transactions.
Positive Pay is an electronic cash management service that automatically compares all checks presented for payment against all checks issued. You’ll be alerted to potentially fraudulent activity before debiting your account — giving you the power to decide which checks should be authorized or declined.
- Reduce unauthorized transactions
- Limit the risk of fraudulent duplicate checks
- Receive suspicious activity alerts
- Approve or decline payments
- Reconcile accounts quickly and easily
Enrolling in Positive Pay for ACH protects your automated transfers from fraudulent activity. Receive account alerts through text or email to be notified of potentially fraudulent activity before it’s debited from your account. You can review the account activity and either authorize or decline the payment.
As part of our bank treasury management system, we offer mobile business banking customers the opportunity to integrate SecurLock Equip for FREE. With this app, you’ll be able to control how, when and where your JMB business card is being used. Manage your card activity with instant notifications that track your transactions, usage and any unauthorized charges.
If you happen to misplace or lose your card, SecurLOCK Equip comes with settings that allow you to deactivate your card the moment you realize it’s missing. You can also set transaction spending limits, restrict usage by geographical locations and much more.
Simply download the SecurLOCK app from your mobile app store and follow the instructions to link your JMB business account.
Third Party Funds Management — Escrow Optimizer
Manage third party funds efficiently with John Marshall Bank’s Escrow Optimizer. This top-of-the-line digital platform allows you to manage all of your escrow accounts and subaccounts with only a few clicks all without the need for Bank personnel. Add in bonuses like built-in regulatory compliance (including W-9 document upload and digital signatures), flexible organization, and more, and you have a product to maximize the efficiency of your business.