We've got everything you need to help keep your business humming ... like a well-oiled machine.
Positive Pay is the most common and widely used check fraud mitigation tool, because it detects counterfeit and fraudulent checks. 

Simply transmit a file containing issued check information to the bank prior to distributing the physical check. As checks are presented to the bank, the MICR line information is compared with your company's issue file. 

By using Positive Pay, you can minimize the potential of fraudulent check activity, scans for paid checks that do not match an issued item, scan for field that do not match the issue field and scan for duplicate checks. 

MainSource ACH Block service is a fraud mitigation and account control tool that prevents monies from being pulled out of an account via ACH by specific companies per your instructions. 

Our Lock Box Service uses a dedicated post office box that allows your incoming payments to come directly to us. Long story short: your money shows up in your account faster. And best of all, you'll never have to worry about missing checks, lost payments, or other obstructions again.

Once enrolled in Lock Box Services, an electronic transmission of all payment details will be automatically sent to your accounts receivable system. 

MainSource Deposit Express brings the convenience of a branch to your business. Using an approved check scanner and the Deposit Express website, you can electronically scan, submit and deposit your incoming checks without ever leaving your office. 

If your business accepts checks, the benefits are obvious:

  • Time Savings
  • Flexibility
  • Improve Cash Flow 
  • Improve Accuracy
  • Simplify Recordkeeping
  • Streamline Operations 
  • Improve Security

MainSource and TSYS make it easy for you to accept Visa, MasterCard, American Express and Discover cards. In no time, you'll have a tool at your fingertips that gives you the following :

  • Improved cash flow 
  • Increased sales potential
  • A greater likelihood of moving big-ticket items
  • Automatic currency conversion

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With this handy business tool, there's no need to manually calculate and transfer funds between your accounts. Sweep accounts allow excess funds to move automatically between repurchase accounts, zero balance accounts and lines of credit. It's the perfect way to manage your cash flow to save you time. 

Repurchase Account

A Repurchase Sweep Account accommodates daily automatic sweeping to and from your checking account to earn interest on idle funds. By establishing a target balance for your checking account, any excess funds over the target balance will automatically sweep into the Repurchase Sweep Account overnight, whereby MainSource purchases government backed securities and investments on your behalf. MainSource will repurchase your investment each day and pay you interest that will post to your account at the end of each month. 

Zero Balance Account

A MainSource Zero Balance Account (ZBA) is a checking account which maintains a zero balance and is automatically funded by the main operating account. At the end of the business day, the main account is debited from the total amount of checks that clear the ZBA, while the ZBA is credited with this amount to return the account balance to zero. 

Line of Credit Sweep Account

Your company's cash automatically goes where it benefits you most - to pay down your line of credit or replenish your checking account. 

Funds in excess of your business checking account's target balance are transferred to your commercial line of credit. The money is used to pay down the principal balance on the line, reducing your interest expense. Money is transferred back to the business checking account as needed to maintain the target balance.

For more information or to get started with one or more of these services, contact a member of our Treasury Management Team or Business Service Center at 800-713-6083, Option 4.
Life needs a great bank

For Seeing Your Potential

For Seeing Your Potential

Life needs big dreams. Life needs a plan to make those dreams happen. Worked hard to build a successful business? You have earned the right to access the best lending products MainSource has to offer. 

Learn more about Business Lending

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For Money Management

For Money Management

At MainSource, we offer checking and saving options that are sure to fit your business needs. Whether you're looking for a free, no-frills account or one that pays premium rates of interest with all the bells and whistles, we've got you and your business covered. 

Learn more about Checking

Insurance and Investment products are NOT insured by the FDIC; not deposits or other obligations of, or guaranteed by the institution; subject to investment risks, including possible loss of the principal amount invested.